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More than Subprime Resets: The Real Meaning of Two Waves To many observers, a risky mortgage is one that deviates in any way from the traditional, 30-year fixed-rate prime mortgage loan. In this view, the spike in mortgage default volumes and the failures of Fannie and Freddie are easily explained by the sizeable growth of "non-traditional" mortgages between 2000 and 2007.
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