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______ is one advantage of having a face-to-face conversation.
Adjustable-Rate Mortgages
Home loans with interest rates that can change over time based on market conditions.
Sub-Prime Borrowers
Individuals who have poor credit histories and are considered high risk for defaulting on loan payments, often facing higher interest rates.
Housing Boom
A period characterized by rapid increases in the value of residential properties, often leading to increased building and investment in housing.
Default Rates
The percentage of borrowers who fail to repay their loans according to the terms of their agreements.
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