Fannie Mae-No Politics (FNMA)

[Robert from yahoo bd]

Interesting, cross subsidizing higher credit and default risk by those mortgagors with lower credit and default risk?

So, those who paid their debts on time always and saved more for a down payment are subsidizing or pay more for Fannie Mae and Freddie Mac loans?

Are both those statements correct or partly correct or not correct at all?

Would it be fair to say, that but for the cross subsidizing, there would more Capital build organically?