Aggressive teaser rates on home loans, commonplace not too long ago, appear to be losing popularity. Despite the slow market and lenders' desire to muster up business, few are offering especially low introductory interest rates.

According to HSH Associates, only 15 lenders offer ARMs at or below a benchmark rate of 5%. This figure has been in steady decline since a high in the second week of November, when more than 50 lenders offered bargain loans.

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