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The 44,000-member, $540 million National Institutes of Health Federal Credit Union, headquartered in Rockville, Md., has been working to prepare its housing finance program for whatever the federal government may choose to do with the two giant mortgage entities Fannie Mae and Freddie Mac. “Nobody knows exactly what might happen, but we know we want to be in a position to offer our members mortgage loans so we need to be ready,” said NIHFCU CEO Juli Anne Callis.

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