Can I convert a negative-amortization loan to a regular loan?

Loan terms vary and each agreement needs to be reviewed carefully. Talk to your lender about specific situations.
Negative amortization occurs when monthly payments on a loan are not enough to pay the interest accruing on the principal balance. The unpaid interest is added to the principal due.
Adjustable rate mortgages with payment caps and negative amortization are usually reamortized at some point so that the remaining loan balance can be fully paid off during the term of the loan.

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