The evolution of Freddie Mac



If you have recently taken out a residential mortgage in the US, the chances are it won't be a traditional 30-year fixed-rate product. In fact, the chances are that it's not even a simple floating-rate loan. US mortgages increasingly have some kind of embedded interest rate optionality, while would-be home owners are topping up the amounts they can borrow with a home equity line of credit (Heloc).

In an effort to maintain profits, mortgage banks have been more and more willing to extend loans to

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