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I have had to explain this to so many people who think it is the fault of the family for getting a loan they couldn't afford.
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I'm confused by your quote. It IS the fault of the family for getting a loan they couldn't afford.
Newsflash: Never, ever, ever, ever, ever, ever get an ARM or a non-Fixed rate mortgage unless you can 100% guarantee you will not be in the home at the time the rate changes.
