This module, students will learn some of the more unique forms of mortgage management. The module focuses on current unique mortgage plans which are structured to benefit the lender or to be more accessible to the borrower. They will also learn about reverse mortgages and why they are becoming more popular in Canada. Students will learn the real cost of teaser rates, and why they are often not as a good deal for their clients as they are advertised to be. Finally, they will learn about some of the shortcomings of the mortgage industry, including multiple rate/term mortgages, and the CMHC Graduated Payment Mortgage Plans.