I've still yet to see a good answer for people who got one of the now unavailable mortgage products (e.g., zero down, 40 year amort) when it comes time to renew in the next year or two.
Do these people have to come up with the minimum downpayment now, which may be more difficult than ever if their house declined in value during the recession? Are they going to see large increases in their monthly payments as the amortization period is reduced? Are they in danger of no longer being able to afford their home if they can't meet these new requirements?
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