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How is the REEL program able to offer rates lower than what I can find elsewhere?
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The REEL program provides lenders with a credit enhancement, or a type of insurance, that helps control loan risk. If a borrower defaults, the lender may access the credit enhancement funds to mitigate losses. Because they have access to the credit enhancement, REEL lenders can offer more attractive terms to borrowers and/or make financing available to borrowers with a wide range of credit scores.