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At the heart of it was the collapse of the housing market. If you were house. The pre-crash loan products are mostly gone. You can choose. Riding the Upswing of the Real Estate Cycle: 2012 – 2022..

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GSEs’ Mortgage Guarantee Fees on the Downswing So the mortgage is sold to the secondary market, likely Fannie Mae or Freddie Mac. In fact, the GSEs and FHA bought or guaranteed 95% of all new mortgages in fiscal year 2011! mind blowing numbers compared to when 40% market share was seen as high in the early 2000s.

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