| http://www.w3.org/ns/prov#value | - second-lien mortgages.8 Hybrid ARMs are mortgages where the interest rate is fixed for the first few years (two or three years, for instance) and then fluctuate after the reset date is reached.9 A negative amortization mortgage is one where the monthly payment is insufficient to cover the amount of interest and principal owed each month.
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