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A comment on Home Price to Income Ratio. Parent comment

Re:Home Price to Income Ratio by hapless on Tuesday September 21, 2021 @02:55AM (#28602625)
Fixed-rate mortgages are government-subsidized by a range of mechanisms (Fannie, Freddie, FHA, etc)

Adjustable-rate mortgages are not.

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Re:Home Price to Income Ratio by JackFr on Tuesday September 21, 2021 @08:03AM (#28604169)
As a banker I am perfectly indifferent whether I make a fixed rate loan or a an adjustable rate loan to the borrower.

I look my cost of funds, tack on my spread and that is the price you pay.

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