61.   Mortgage-backed securities are created from pools of mortgage loans with similar interest rates.

62.   Much of the off-balance sheet financings by banks relate to consumer finance, including credit card receivables and mortgage loans, said Cohen, the banking lawyer.

63.   More mortgage loans were made to low-income borrowers.

64.   Mortgage servicing involves the collection and billing for mortgage loans, often held by other companies.

65.   Most mortgage loans permit prepayments without charging a penalty but, if you decide to do it, call your lender first to be sure.

66.   Most of those profits come from making mortgage loans to real estate developers and trading mortgage-backed securities.

67.   New Century specializes in mortgage loans for people with credit problems.

68.   Officials in Manchester, N.H., also say the bank has agreed to restructure mortgage loans worth hundreds of millions of dollars for borrowers in New Hampshire and Massachusetts.

69.   Owners must also convert their individual share loans into mortgage loans on their units, which means mortgage closing costs.

70.   Over the years, it has made very few mortgage loans but has recently tried to increase lending.