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Even as skyrocketing adjustable-rate mortgage payments are forcing thousands of Arizonans out of their homes, some lenders and home builders are promoting the next generation of variable-rate loans.

Today’s adjustable-rate mortgages, or ARMs, are less risky than the exotic loan products pushed during the housing boom, experts said, but they operate on the same principle of initial low monthly payments in exchange for potentially high payments later on.  more…

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