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I'm doing a phd in chemistry http://onlineclonidine.info/ earl cheap clonidine online honour ruse The first is that credit risk on conforming mortgages doesn’t simply disappear just by dint of those mortgages being sold to Frannie. The agencies need to charge a fee to cover the credit risk on the mortgages that they’re buying, and that fee is going to find its way, one way or another, into the yield on conforming mortgages. Since it stands to reason that the credit risk on conforming mortgages is greater than the credit risk on jumbo mortgages (on the grounds that rich people, in general, are more creditworthy) then it similarly makes sense that the all-in yield on conforming mortgages might be higher too.
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