Considered by many to be a form of predatory lending - particularly if not adequately explained to a borrower - an artificially lowered mortgage rate (e.g., a "teaser rate") or artificially "capped" monthly mortgage loan payments (e.g., to make the payments "affordable") - can result in the borrower(s) owing more at the end of the loan than he/she/it/they originally borrowed, even after years of monthly payments. The most commonly used real estate/financial term for this type of financial manipulation is