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Refinance > Shared Appreciation Mortgage (SAM)

The following information is about Shared Appreciation Mortgage (SAM).

Shared Appreciation Mortgage (SAM) Defined

A mortgage in which a borrower receives a below-market interest rate in return for which a lender (or another investor such as a family member or other partner) receives a portion of the future appreciation in the value of the property. May also apply to mortgages where the borrower shares the monthly principal and interest payments with another party in exchange for a part of the appreciation.

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