To fully understand the Secure and Fair Enforcement Mortgage Licensing (SAFE) Act one needs to go back to events leading up to the housing boom and inevitable bust. With the aggressive marketing and utilization of various loan products, such as interest only loans and option
adjustable rate mortgages, money flowed into the housing market allowing almost anyone to purchase a home. This easy access to capital was encouraged by many, despite the irresponsible underwriting criteria.
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Understanding the SAFE Act
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