You complete a transaction with George, your local banker, for a mortgage on a new home. It is a 4% loan with a 30 year amortization. George's bank is likely to do what with this note?

		Foreclose when you don't pay 3 months in a row.
		Hold the note and be very happy when you pay it off early. They will personally service the loan and send you a Christmas card every year thanking you for your business.
		Sell it to another bank; this frees it from a capital requirement and allows the bank to make more loans.
		If it is a conforming loan, sell it to a securitizer such that it becomes part of a very large note purchased by large institutions. This frees the Bank from the capital requirement and it may then go out and make another loan to someone else.