Yeah I'd like to know how 36 years came about as well all these loans were packaged and sold prior to 2008 surely not many of the loans are over 30 year mortgages and most of those are going to be paid off or refinance prior to 30 years so I can't see how payment on any of those trusts sold before 2008 would be extended anywhere close to 36 years. Absolute max should be 20 years given we've already waited 10
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