Osprey, 40-yr. adjustable-rate loans with negative amortization have been available for years (but I have never seen the fixed-rate ones before). Back in the mid-'80's these were very popular, again because the monthly payment is lower, though if real interest rates rise, the negative amortization adds back into the loan balance and one can end up owing much more than one borrowed to begin with, making it a very dangerous loan to take in times when interest rates are rising and home prices are falling.
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