| http://www.w3.org/ns/prov#value | - * The loan is an adjustable-rate mortgage with an introductory period of three years or less; * The loan has an introductory or teaser interest rate that is at least three percent lower than the fully-indexed rate (the relevant index at the time of origination plus the interest margin specified in the mortgage note); * The borrower has a debt-to-income ratio (the ratio between the borrower's mon
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