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and there they found a rock....

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It was in the bank's best interest to lie, it was in the borrow's best interest to lie.  And because it worked so well, it expanded and expanded.  Loaning banks and loan orgination companies didn't care that the borrower's weren't qualified, they made money on fees and points and sent the bag to the GSEs.  That's a big factor, no doubt, but FNM/FRE had company.  -- Xpovos
new words: slans, mundanes
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