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Tuesday, January 19, 2016 2:24:32 PM
Qualifying ratios are lower than before, stated income does not exist, regulations on qualifications are at the toughest yet, underwriter guidelines are way tougher than ever, rates are significantly lower, option ARM and ARM programs are almost non existent, appraisal companies are independent contractor that are highly regulated, government loans transferability is way easier than before, etc.
Fannie and Freddie are the backbone of the US economy, you mess with them and the risk of crashing the economy is very significant.
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