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Every mortgage market is patchwork. Rules, products, and features exist because of past events, a crisis, a policy choice, or a market failure. The result is a structure that reflects history more than design. That doesn’t make it bad, but it does mean we carry baggage that limits what the system co
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Every mortgage market is patchwork. Rules, products, and features exist because of past events, a crisis, a policy choice, or a market failure. The result is a structure that reflects history more than design. That doesn’t make it bad, but it does mean we carry baggage that limits what the system could be.