Freddie and Fannie's appraisal-free mortgages to slash closing times

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When real estate broker Hank Miller explains the mortgage process to buyers, he gives it to them straight. “It’s going to be the biggest pain in the ass that you’ve been through,” he says. Freddie Mac and Fannie Mae, government-owned entities that buy a large share of U.S. mortgages from lenders, are taking a big step toward alleviating this pain.