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minus the cuts of the bank and GSE) than they could gain from most other bonds. eMortgages are electronic mortgages made legally enforceable by Electronic Signatures in Global and National Commerce Act and the Uniform bank one education loan Transactions Act. Standardization of eMortgages is being facilitated by the Mortgage Industry Standards Maintenance Organization eMortgage Workgroup, which builds on the existing MISMO data standards, adding data elements and electronic signature capabilities to create an infrastructure for fully electronic, bank one education loan paperless, mortgages. The eMortgage infrastructure is built around the concept of a SMART Document and the SMART DOC Implementation Guide. Securitization is a momentous change in the way that mortgage bond markets function which has grown rapidly in the last 10 years bank one education loan a result of the wider dissemination of technology in the mortgage lending world. For borrowers with superior credit, government loans and ideal profiles, this securitization keeps rates almost artificially low, since the pools of funds used bank one education loan create new loans can be refreshed more quickly than in years past, allowing for more rapid outflow of capital from investors to

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