(https://www.cnbc.com/2026/09/09/demand-for-riskier-mortgages-rises-again-along-with-interest-rates.html) and the forum is reading it backwards. ARM adoption doesn't mean consumers are confident—it means lenders have tightened standards so much that only marginal borrowers can access credit at all. When rates spike, banks don't loosen; they tighten.

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