| combined with teaser discounts on adjustable-rate mortgages maintain affordability, even as home prices rise. The federal commercial mortgage rate ri of the United States created the Federal National Mortgage Association (FNMA) (NYSE: FNM), commonly known as Fannie Mae, in 1938 to establish a secondary market for mortgages insured by the Federal Housing Administration (FHA). Fannie Mae buys mortgages on the secondary market, pools them commercial mortgage rate ri sells them as mortgage-backed securities to investors on the open market. This secondary mortgage market helps to replenish the supply of lendable money for mortgages and ensures that money continues to be available for new home purchases. “Home equity is also commercial mortgage rate ri through home sales when homesellers roll only part of the equity from the sale into new downpayments. A recent study co-authored by Fed Chairman Alan Greenspan put this form of equity extraction at roughly $350 billion in 2004 and $300 billion in the first quarter of 2005 at commercial mortgage rate ri annualized rate.” Freddie Mac expects 30-year fixed |
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