One contributing factor to the 2007-2009 financial crisis was the structuring of mortgage loans with:

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The structuring of mortgage loans with low initial payments, offset by significantly higher payments later, also known as "teaser rates," contributed to the financial crisis. This allowed borrowers to take on larger mortgages than they could afford in the long run, which eventually led to defaults and foreclosures. When the housing market declined and interest rates increased, many borrowers were unable to make their higher payments, leading to widespread defaults and a collapse of the housing market.

One Contributing Factor to the 2007-2009 Financial Crisis Was the Structuring