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There has been a long-term U.S. policy of promoting home ownership. This form of, financing of the initial purchases had the effect of so easily as possible. Several financial institutions have been established over time to form the backing of a mortgage quickly and conveniently. Once upon savings and loans companies, which were Sparungsanstalten who could invest in home mortgages only. Fannie Mae (the Federal Nation Mortgage Connection FNMA) was founded in 1938 to provide a secondary market for home mortgages available. This meant that if a bank granted a Telemarketing mortgage lead generation person and could readily sell later the bank needed capital to the mortgage bank to Fannie Mae.