Which of the following attributes of loans is not an indication of an increased risk of repayment

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Which of the following attributes of loans is not an indication of an increased risk of repayment default?

(a) Conforming to GSE underwriting standards.

(b) Having a loan-to-value ratio of 95 percent or higher.

(c) Having reduced documentation or no documentation.

(d) Being a stated income loan.

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