| these mortgages to purchase homes, something the government wishes fha home mortgage encourage. The investors, meanwhile, gain low-risk income at a higher interest rate (essentially the mortgage rate, 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 Electronic Transactions Act. Standardization fha home mortgage 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, or paperless, mortgages. The eMortgage infrastructure is built around the concept of a SMART Document fha home mortgage the SMART DOC Implementation Guide. Securitization is a momentous change in the way that mortgage bond markets function fha home mortgage has grown rapidly in the last 10 years as 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 |  |
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