Fannie Mae-No Politics (FNMA)

[HGG]

"The average loan-to-value is above 75% with debt-to-income ratios averaging below 32%. The average credit score is 765."

I'm not concerned at all. Those Vintage customers were considered as A paper loans before 2007, in which regulations were more relax. I. E stated income, inflated house values, etc.
Currently, interest rates are historically low and I can guarantee you that most of these people are refinancing at a much lower rate than what they had previously.

I might be more concerned if you or MH are the ones getting the loans. :)