After Jean and Erica Etjeke's Clearwater, Fla. home was nearly destroyed by a fire two years ago, the couple says its homeowners insurance check went straight to their mortgage lender.

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When you buy a mortgage-backed bond, you are in effect buying a straight bond and then giving away a call option to the homeowners.

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In recent days the Mortgage Bankers Association reported that mortgage applications from those looking to purchase a home have declined four straight weeks since the home-buyers rebate program expired at the end of April, and are now 40% below their level of five weeks ago.

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