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This is a short term type of loan given to people with bad credit and whose repayment period depends on the borrowerâs income. For you to get this type of loan you must have a steady source of income. You will be required to repay the loan in smaller installments every end of the month until the full amount plus the accrued interest is settled. instant payday loans no credit check no fee The ARM (Adjustable Rate Mortgage) was a popular option for people, particularly first time home buyers, 3-5 years of payments at the initial interest rate provided them with the ability to handle the payments comfortably. The adjustments started and the payments were no longer easy to make. Wage stagnation has played a part in this problem with salaries remaining the same or in some cases shrinking. Switching your ARM to a fixed rate can help.
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