getting loans without cosigners

Send the letter to the CRA and see if you can get it deleted.
The only saving grace for me is I plan on paying the house off in 5 years, thus the lower intrest rate of the ARM makes sense.
I just got nailed when my dinky little First Premier visa with the $200 limit reported with a $176 balance.
Wow, I remember telling this to sooooooo many people that you can only pull once a day