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The Minority Mortgage Meltdown: More Evidence-But Our. – · The March 2004 report Analysis of FHA Single-Family Default and Loss Rates for the Department of Housing and Urban Development by Robert F. Cotterman showed that black and Hispanic default rates on Federal Housing administration mortgages handed out in the 1990s were more than twice as bad as the white rate. Even when adjusted for FICO scores.
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Tampa Bay Area Home Loan Mortgage Information – Other loans (conventional or government backed loans) are paid incrementally over the life (term) of the loan so that by the end of that time, the total cost (interest and principal) has been paid off. Whereas a balloon loan’s principal is paid in one sum at the end of the term, which is usually 5 or 7 years. That sum is called the balloon.
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