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Are you going to buy a home in Miami Florida?
Do you need a mortgage loan? Is this your first time mortgage loan application? Have you ever asked where that money comes from?
Several years ago, when someone needed a loan to buy a home, he just went to the bank and ask for.
If the bank had additional funds and having you considered as a good credit risk, the bank would lend you the money from the bank own funds.
Now, mortgage loans work different than in the past.
The money for mortgage loans comes from three major institutions: Fannie Mae ( FNMA-Federal National Mortgage Association ), Freddie Mac ( FHLMC-Federal Home Loan Mortgage Corporation ), Ginnie Mae ( GNMA-Government National Mortgage Association ).
Once your home loan has been enclosed and sold to Fannie Mae, Freddie Mac, or Ginnie Mae, the lender will have additional money so they can create more loans and make more loan services as well as selling these services to the said institutions that will lend you money to buy a home in Miami Florida.
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