MAINE MORTGAGE LENDING FREQUENTLY-ASKED QUESTIONS (FAQ’S)
No. Adjustable rates do not automatically make a loan a higher priced mortgage loan. Higher priced mortgage loans are either “rate spread home loans” that must be reported under the law, loans that permits the deferral or principal or interest (such as an interest-only 2/28 ARM or 3/27 ARM), or high-rate high-fee loans. ................
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