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Before I get to that, however, let’s talk about what’s happening right now. Thus, "super-senior" claims against subprime mortgages – that is, investments that have first dibs on whatever mortgage.

 · The application process to get a mortgage may seem a little daunting with all the information you reveal. But just because you get through the application doesn’t mean it’s over, and you will magically get your loan. There’s another step that many people don’t even realize. It’s called the underwriting stage.

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