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  Shared Appreciation Mortgage (SAM) Definition
Shared Appreciation Mortgage (SAM) A mortgage program where the lender receives a percentage of a home's future appreciation in return for receiving a lower interest rate or interest deferral. While the shared appreciation mortgage (SAM), does assign the lender a right to part of the property's appreciation, it does not create a shared title interest or a joint tenancy.
   
   
   


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