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Mortgage Program

A bundle of mortgage characteristics that lenders view as comprising a distinct
category. The characteristics used include whether it is an FRM, ARM, or Balloon, the term, the
initial rate period or the index on an ARM, whether it is FHA-insured or VA-guaranteed, and if it is
not FHA or VA whether it is 'conforming' (eligible for purchase by Fannie Mae or Freddie Mac) or
'non-conforming.'


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