{"id":4854,"date":"2025-11-21T23:27:56","date_gmt":"2025-11-21T23:27:56","guid":{"rendered":"https:\/\/www.thinkmint.ng\/buyrealestate\/?p=4854"},"modified":"2025-11-21T23:27:56","modified_gmt":"2025-11-21T23:27:56","slug":"what-the-average-buyer-doesnt-know-about-mortgage-default-and-risk-prevention","status":"publish","type":"post","link":"https:\/\/www.thinkmint.ng\/buyrealestate\/what-the-average-buyer-doesnt-know-about-mortgage-default-and-risk-prevention\/","title":{"rendered":"What the Average Buyer Doesn&#8217;t Know About Mortgage Default and Risk Prevention"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Today, thousands of homebuyers are now embracing mortgages through the NHF, <a href=\"https:\/\/fhfl.com.ng\/\">Family Homes Funds<\/a>, private mortgage banks, and commercial lenders<\/span><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">.\u00a0Mortgage<\/span>\u00a0default in Nigeria is also quietly rising<span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And the truth is simple:<\/span><\/p>\n<p><b>Most homebuyers don\u2019t fully understand the hidden risks behind mortgage repayment until it\u2019s too late!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This guide breaks down <\/span><i><span style=\"font-weight: 400;\">everything the average Nigerian buyer does not know about mortgage default<\/span><\/i><span style=\"font-weight: 400;\">, the everyday mistakes that lead to risk, and practical steps to prevent default before it happens.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What Exactly Is Mortgage Default in Nigeria? (Most Buyers Don\u2019t Know This Part)<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Many Nigerians think mortgage default only means <\/span><i><span style=\"font-weight: 400;\">completely<\/span><\/i><span style=\"font-weight: 400;\"> failing to repay a home loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But in reality, the definition is much broader.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A borrower is considered in <\/span><b>default<\/b><span style=\"font-weight: 400;\"> when:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They miss two or more monthly mortgage payments<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They consistently pay late<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They do not maintain the required insurance<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They violate certain lender terms<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Their debt-to-income ratio becomes too unstable<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Most buyers don\u2019t realize that <\/span>late fees<b>,<\/b> penalties, and unreported job losses<span style=\"font-weight: 400;\"> can also trigger a default classification, and this affects your creditworthiness and ability to refinance or access future loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mortgage lenders in Nigeria (from commercial banks to PMBs) are required by CBN guidelines to monitor borrower risk. Once you&#8217;re flagged, reversing the status becomes difficult.<\/span><\/p>\n<p><b>Why Nigerians Default on Mortgages: The Causes No One Talks About<\/b><\/p>\n<p><span style=\"font-weight: 400;\">While economic challenges can play a role, many defaults happen due to issues that buyers could have prevented.<\/span><\/p>\n<p><b>1. Unstable or Irregular Income<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Many urban buyers are business owners, freelancers, or commissioned earners. Without a steady inflow, mortgage repayment can become unpredictable.<\/span><\/p>\n<p><b>2. Taking a Mortgage Beyond Your Affordability<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A common mistake is committing to a home loan where repayment exceeds <\/span><b>30\u201340% of monthly income<\/b><span style=\"font-weight: 400;\">, which is considered too risky.<\/span><\/p>\n<p><b>3. Poor Financial Planning<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Unexpected school fees, medical emergencies, or business losses can quickly destabilize repayment.<\/span><\/p>\n<p><b>4. Floating Mortgage Rates<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some Nigerian mortgages have interest rates that adjust with market conditions. Many buyers don\u2019t understand how this works until their repayments suddenly increase.<\/span><\/p>\n<p><b>5. Property Documentation Issues<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Incomplete titles or valuation inconsistencies can affect mortgage structure and create repayment or collateral problems.<\/span><\/p>\n<p><b>6. Over-borrowing<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Using multiple loans (car, personal, business) while paying a mortgage is one of the biggest triggers of default.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Hidden Risks Buyers Rarely Consider (But Should)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Even financially disciplined buyers face risks they may not see coming. These \u201csilent risks\u201d significantly influence mortgage repayment stress.<\/span><\/p>\n<p><b>1. Rising Inflation and FX Fluctuations<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If the mortgage is tied to a foreign currency or influenced by inflation, repayment can become higher over time.<\/span><\/p>\n<p><b>2. Developer Risk<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If your developer delays construction or mismanages funds, it affects the value and security of the mortgage.<\/span><\/p>\n<p><b>3. Wrong Debt-to-Income Calculations<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Some buyers calculate affordability using <\/span><i><span style=\"font-weight: 400;\">gross<\/span><\/i><span style=\"font-weight: 400;\"> income instead of <\/span><i><span style=\"font-weight: 400;\">net<\/span><\/i><span style=\"font-weight: 400;\"> income \u2014 a costly mistake.<\/span><\/p>\n<p><b>4. Ignoring Mortgage Insurance<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Many think optional insurance is &#8220;unnecessary,&#8221; but insurance helps cover payments during job loss, disability, or crisis.<\/span><\/p>\n<p><b>5. Unexpected Life Changes<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Job transfers, salary cuts, or family emergencies can create sudden repayment pressure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding these risks early is one of the most effective ways to avoid mortgage default in Nigeria.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Early Warning Signs You May Be Getting Close to Default<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Most Nigerian homebuyers actually get warning signals <\/span><i><span style=\"font-weight: 400;\">months<\/span><\/i><span style=\"font-weight: 400;\"> before default. Unfortunately, many ignore them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may be approaching risk if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re using loans to pay off other loans<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your savings are shrinking<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your salary can no longer cover your monthly obligations<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;re consistently paying bills late<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019re spending more than <\/span><b>40%<\/b><span style=\"font-weight: 400;\"> of your income on housing<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You avoid calls from your lender<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These signs indicate it\u2019s time to adjust your financial strategy <\/span><i><span style=\"font-weight: 400;\">before default sets in.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p><b>How to Prevent Mortgage Default in Nigeria\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Preventing mortgage risk is easier than recovering from it. Here are the most effective strategies tailored for the Nigerian mortgage market:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><b> Choose the Right Mortgage Lender<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Not all lenders are equal. Compare:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rates<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenure<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan terms<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Penalties<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance requirements<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility for restructuring<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some lenders offer income-based repayment plans that reduce risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li><b> Understand Fixed vs Floating Interest Rates<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This is where many Nigerians get trapped.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fixed Rates<\/b><span style=\"font-weight: 400;\">: Same repayment amount for the loan duration<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Floating Rates<\/b><span style=\"font-weight: 400;\">: Can increase based on market conditions<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Buyers with unstable income are safer with fixed-rate mortgages.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li><b> Do Not Borrow Above Your True Affordability<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A safe affordability threshold is:<\/span><\/p>\n<p><b>Mortgage repayment = 25\u201333% of your <\/b><b><i>NET<\/i><\/b><b> monthly income<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Ignoring this is the fastest path to mortgage stress.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"4\">\n<li><b> Maintain a 6\u201312 Month Emergency Fund<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This single strategy can prevent 70% of defaults.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your emergency fund should cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage payments<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Feeding<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilities<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transportation<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical needs<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If something happens (job loss, illness, business slowdown), you remain protected.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"5\">\n<li><b> Avoid Taking Multiple Loans While Paying a Mortgage<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Juggling:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car loans<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business loans<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">School loans<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Household loans<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u2026while servicing a home loan increases your debt-to-income ratio \u2014 a major trigger for mortgage default.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"6\">\n<li><b> Consider Renting Out Part of the Property<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If your monthly repayment becomes overwhelming, renting out a room, floor, or BQ can supplement your mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is common in Lagos, Abuja, Ibadan, and Port Harcourt.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol start=\"7\">\n<li><b> Get Mortgage Insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Many Nigerians overlook<a href=\"https:\/\/www.investopedia.com\/terms\/m\/mortgage-insurance.asp\"> mortgage insurance,<\/a> but it\u2019s an essential financial protection tool.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It covers repayment during:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Job loss<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disability<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Temporary financial hardship<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This reduces the likelihood of default and protects your family.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What to Do If You\u2019re Already at Risk of Defaulting<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If repayment is becoming difficult, do not wait.<\/span><\/p>\n<p><b>1. Inform Your Lender Early<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Most lenders prefer restructuring over repossession.<\/span><\/p>\n<p><b>2. Request Loan Restructuring<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Options include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower monthly repayment<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extended loan tenure<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Temporary payment holiday<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Early communication helps preserve your credit standing.<\/span><\/p>\n<p><b>3. Explore Refinancing<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You may move your loan to a lender with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower rates<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better terms<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Longer tenure<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This can significantly reduce repayment burden.<\/span><\/p>\n<p><b>4. Consider Bringing in a Co-Borrower<\/b><\/p>\n<p><span style=\"font-weight: 400;\">A spouse, sibling, or trusted partner can help stabilize repayment capacity.<\/span><\/p>\n<p><b>5. Rent Out the Property Temporarily<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you cannot keep up, <\/span><i><span style=\"font-weight: 400;\">let the house pay for itself.<\/span><\/i><\/p>\n<p><b>How Government Policies Affect Mortgage Risk in Nigeria<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Government reforms play a major role in mortgage safety.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recent improvements include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital land registration systems<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage guarantee programmes<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consumer protection frameworks<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NHF interest subsidies<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Affordable housing initiatives<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">New CBN guidelines also require lenders to evaluate risk more accurately, making mortgages safer for buyers who maintain transparency and planning.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Final Thoughts: Mortgages Are Safe\u00a0 If You Understand the Risks<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mortgage default in Nigeria is not just about inability to pay \u2014 it\u2019s often a mix of hidden financial risks, unpredictable expenses, misunderstandings, and poor planning.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But here&#8217;s the good news:<\/span><\/p>\n<p><b>With the right knowledge, structure, and financial discipline, Nigerian homebuyers can avoid mortgage default and build long-term security through real estate.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re planning to take out a mortgage soon:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Educate yourself<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare lenders<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Calculate real affordability<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Build emergency savings<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand your loan terms<\/span>&nbsp;<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask questions until you&#8217;re confident<\/span>&nbsp;<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Homeownership is one of the most powerful wealth-building tools, but only when done with clarity and careful planning.<\/span><\/p>\n<p>Need a mortgage? Get started with:<\/p>\n<p>&nbsp;<\/p>\n<p>Understanding the market is great, but <strong data-start=\"805\" data-end=\"855\">acting on the right opportunity is even better<\/strong>.<br data-start=\"856\" data-end=\"859\" \/>Whether you&#8217;re a first-time buyer or an investor, a reliable mortgage partner can make all the difference.<br data-start=\"965\" data-end=\"968\" \/>That\u2019s why we built<strong> Green Mortgage:<\/strong> a hassle-free digital platform that helps you apply for mortgages with clarity, speed, and zero paperwork stress.<br data-start=\"1136\" data-end=\"1139\" \/>\ud83d\udc49 <strong data-start=\"1142\" data-end=\"1214\">Check it out and see how simple getting a mortgage can be: https:\/\/www.greenmortgage.thinkmint.ng\/<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today, thousands of homebuyers are now embracing mortgages through the NHF, Family Homes Funds, private mortgage banks, and commercial lenders.\u00a0Mortgage\u00a0default in Nigeria is also quietly rising. And the truth is simple: Most homebuyers don\u2019t fully understand the hidden risks behind mortgage repayment until it\u2019s too late! This guide breaks down everything the average Nigerian buyer [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.6.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What the Average Buyer Doesn&#039;t Know About Mortgage Default and Risk Prevention - Buy Real Estate %<\/title>\n<meta name=\"description\" content=\"-\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thinkmint.ng\/buyrealestate\/what-the-average-buyer-doesnt-know-about-mortgage-default-and-risk-prevention\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What the Average Buyer Doesn&#039;t Know About Mortgage Default and Risk Prevention - 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