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Calabria Says Let Fannie/Freddie Make More Profit Lots of Variables with Fixed-Rate Mortgages Lots of Variables with Fixed-Rate Mortgages. Tip: Payment Practices. Depending on the loan, a home buyer who chooses a 30-year mortgage may have the option to make extra payments. In a sense, this enables the borrower to treat the long-term loan like a short-term one.The Trump administration is considering nominating economist Mark Calabria to run Fannie Mae and Freddie Mac’s regulator, a position that has major implications for the $10 trillion U.S.

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