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   News alert: Risky home loans are back
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   The return of ARMs
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              <a data-linktext="Risky home loans are making a comeback — but they're not for everyone. Here's why" data-linktype="Normal" style="color:#168DD9;text-decoration:none;" target="_blank">
               Risky home loans are making a comeback. Here's why they're not for 
everyone
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              With mortgage rates stuck above 6%, homebuyers are increasingly turning to adjustable-rate mortgages — now at their highest share since 2008. But while ARMs offer short-term savings, they carry long-term risks that could leave borrowers exposed when rates reset.
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                 <div style="line-height: 1.5">
                  Banks and brokerages are vying to manage millions of $1,000, government-seeded “Trump account” balances now — to be first in line when those kids
                  <a data-linktext="start making real money." data-linktype="Normal" style="color:var(=-blue-cta-default);" target="_blank">
                   start making real money.
                  </a>
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                 <div style="line-height: 1.5">
                  <br/>
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                 <div style="line-height: 1.5">
                  <strong style="color:#105C8E">
                   <a data-linktext="Read more" data-linktype="Normal" style="color:#105C8E;" target="_blank">
                    Read more
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                  <strong style="font-size: 20px; font-family: Georgia, serif">
                   Discounters are crushing it for grim reasons.
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                  Dollar General’s cleaner stores and better inventory helped drive a 44% EPS pop, but the backdrop is a K-shaped economy pushing millions toward
                  <a data-linktext="the lowest-price aisle." data-linktype="Normal" style="color:var(=-blue-cta-default);" target="_blank">
                   the lowest-price aisle.
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                   Layoffs are 
jumping while hiring hits a 15-year low.
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                  <a data-linktext="is still delayed." data-linktype="Normal" style="color:var(=-blue-cta-default);" target="_blank">
                   is still delayed.
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                   The Quiet Cost of Staying Put
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                  <span style="background-color:rgba(0,0,0,0);color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                   As the year winds down, many of us keep our money where it’s always been, and most banks count on that.
                  </span>
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                  <span style="background-color:rgba(0,0,0,0);color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                   While you’re earning less than 1% on your savings, they’re lending and investing that same cash at much higher rates. That becomes their profit instead of yours.
                  </span>
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                  <span style="background-color:rgba(0,0,0,0);color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                   Raisin helps you change that. It’s a free, all-in-one platform that connects you with top savings accounts from 75+ FDIC- and 
NCUA-insured institutions.
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                  <span style="background-color:rgba(0,0,0,0);color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                   Right now, you can lock in a 4.25% APY* introductory rate with NexBank — plus up to $1,600¹ in bonuses when you open your first account with promo code GIFT. A $50,000 deposit could earn roughly $2,000+ in interest over a year, plus quarterly bonuses through all of 2026.
                  </span>
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                  <br/>
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                  <span style="background-color:rgba(0,0,0,0);color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:16px">
                   End the year with a better rate — and start the next one earning more.
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                                  Explore rates and claim your bonus →
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                   *APY means Annual Percentage Yield. APY is accurate as of December 3, 2025. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
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                   ¹See site for bonus details
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                   848 N. Rainbow Blvd. 3017 Las Vegas, NV 89107 United States
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2 weeks, 5 days ago - alert@e.qz.com
News alert: Risky home loans are back
The return of ARMs View as a Web page Risky home loans are making a comeback. Here's why they're ...
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