________ mortgage loans are generally considered low-risk but have a non-conforming element that prevents them from having the highest credit rating.

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Alt-A loans are typically given to borrowers with strong credit scores and low debt-to-income ratios, making them low-risk. However, they may have non-conforming elements such as interest-only payments or adjustable rates, which prevents them from having the highest credit rating. Prime loans have the highest credit rating and are given to borrowers with excellent credit and low risk, while subprime loans are given to borrowers with poor credit and high risk. Alt-B loans do not typically exist as a distinct category.

________ Mortgage Loans Are Generally Considered Low-Risk but Have a Non-Conforming