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2. Clearing House Interbank Payments System - Wikipedia

   en.wikipedia.org/wiki/Clearing_House_Interbank...

   A netting engine consolidates all of the pending payments into fewer single transactions. For example, if Bank of America is to pay American Express $1.2 million, and American Express is to pay Bank of America $800,000, the CHIPS system aggregates this to a single payment of $400,000 from Bank of America to American Express. The Fedwire system ...

3. Guide to first-time homebuyer loans and programs - AOL

   www.aol.com/finance/guide-first-time-homebuyer...

   Down payment assistance (DPA) programs: Loans, grants and matching programs to help you with your down payment. Federal first-time homebuyer programs: Loans and programs backed or offered by the ...

4. First-time home buyers in the US are getting older as young ...

   www.aol.com/finance/first-time-home-buyers-us...

   For many young Americans, buying a first home is now a dream deferred. The average first-time buyer is 38, up from the historical range of 29 to 33, according to the National Association of Realtors.

5. Do you qualify for homebuyer assistance? You might — even if ...

   www.aol.com/finance/can-i-qualify-for-homebuyer...

   Thousands of homebuyer assistance programs across that U.S. can potentially help make your next purchase affordable — even if you've already owned a home, Here's what to know before you apply.

6. Housing and Economic Recovery Act of 2008 - Wikipedia

   en.wikipedia.org/wiki/Housing_and_Economic...

   The United States Housing and Economic Recovery Act of 2008 (commonly referred to as HERA) was designed primarily to address the subprime mortgage crisis.It authorized the Federal Housing Administration to guarantee up to $300 billion in new 30-year fixed rate mortgages for subprime borrowers if lenders wrote down principal loan balances to 90 percent of current appraisal value.

7. Financial Institutions Reform, Recovery, and Enforcement Act ...

   en.wikipedia.org/wiki/Financial_Institutions...

   The Federal Housing Finance Board (FHFB) was created as an independent agency to take the place of the FHLBB, i.e. to oversee the 12 Federal Home Loan Banks (also called district banks) that represent the largest collective source of home mortgage and community credit in the United States.