By ALEX VEIGA
AP Business Writer
LOS ANGELES (AP) — Mortgage rates are more than double what they were a year ago, so many homebuyers are looking for ways to put off some of the pain for a few years. The trend is driving adjustable-rate mortgages, or ARMs, to the highest usage in over a decade. Another popular strategy: buying down the rate on a 30-year mortgage for the first two or three years, which can make monthly payments more manageable -— something both homebuilders and homeowners are offering to entice buyers as the housing market slows.