BTW FNMA and FHLMC(aka Freddie mac, DON'T ask me why!) are making a lot of people RICH! The time before last, I refinanced my loan, and they sold it to a bank which then sold it to FNMA. Well, LAST time I refinanced a loan, and they sold it to a bank who sold it to FHLMC! So people made a BUNDLE, and FNMA lost it to FHLMC! Talk about INCEST!