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Mortgage industry of the United States – Wikipedia – Mortgage lenders. Mortgage lending is a major sector finance in the United States, and many of the guidelines that loans must meet are suited to satisfy investors and mortgage insurers.Mortgages are commercial paper and can be conveyed and assigned freely to other holders. In the U.S., the Federal government created several programs, or government sponsored entities, to foster mortgage lending.

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5. Adjustable-rate mortgages; 1. conventional mortgages. A conventional mortgage is a home loan that’s not insured by the federal government. There are two types of conventional loans.

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