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Neil Garfield, from the Garfield Continuum and author of Living Lies blog, discusses securitized loans, residential mortgages, and the process of securitization in typical residential loans. These issues impact recording requirements, document timing, and APR in Good Faith Estimates. GFE should be given to borrowers before or at closing, but often is not, which is a violation. Be aware of the complexities involved in mortgage securitization.
