Prior to the financial crisis of 2007-2009 and even today, many mortgage loans are originated by mortgage companies whose only function is to originate mortgages and sell them to investors for a fee. The loans were (and still are) underwritten using software provided by Fannie Mae and Freddie Mac. Explain how this business model likely contributed to the financial crisis. Focus on the mortgage companies incentives with respect to the credit worthiness of mortgage borrowers