Real Estate Journal listed the 10 cities mostly likely to be affected by rate adjustment shock:

  1. Detroit, MI
  2. Flint, MI
  3. Memphis, TN
  4. Jackson, MS
  5. McAllen, TX
  6. El Paso, TX
  7. Laredo, TX
  8. Brownsville, TX
  9. Springfield, IL
  10. Birmingham, AL
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