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	Fixed Rate Mortgages
	Adjustable Rate Mortgages (ARM)
	Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
	Interest Only Mortgages
	Components of an ARM
	Commonly Used Indexes for ARMs
	Balloon Mortgages
	Reverse Mortgages
	Graduated Payment Mortgages
	What kind of loan program is best for you?