Freddie Mac Q4 2007 Earnings Call TranscriptSeeking Alpha, NY -1 hour agoAs we indicated in our call in November, continuing adverse trends in house prices, mortgage credit and fixed income markets contributed to significant ... There is a wide variety of lending institutions that offer home mortgage loans, including savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The lesson therefore is never limit yourself to just one option when you can have several.