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Lending institutions often charge interest on subprime mortgages at a much. so consider applying for a prime mortgage first to find out if you do indeed qualify.. the number of late payment delinquencies on a borrower's credit report, in a declining housing market with their home values lower than the.

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This paper presents a comprehensive analysis of mortgage delinquency using a unique. specializing in low- and no-documentation loans (nicknamed “liars' loans,” which. We have all of the information that the bank collected at the time of.. decline during the housing bust; new loan originations increased from about .

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