Ann Schnare is vice president of housing economics at the Federal Home Loan Mortgage Corp. In that position, she directs the secondary market agency's research on defaults and prepayments of different loan products. Those findings are used to set prices at which Freddie Mac will buy or securitize the loans,

In addition, Ms. Schnare directs the agency's research on the role played by different factors, such us down payment, debt ratio, and counseling, in determining default.

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