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Mortgages Are About Math: Open-Source Loan-Level Analysis of Fannie and Freddie - Todd W. Schneider
https://toddwschneider.com/posts/mortgages-are-about-math-open-source-loan-level-analysis-of-fannie-and-freddie/
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[M]ortgages were acknowledged to be the most mathematically complex securities in the marketplace. The complexity arose entirely out of the option the homeowner has to prepay his loan; it was poetic …
