The sum of calculated words.

When one said:  “Loans originated with fraud and predatory lending should never be "modified or refinanced".
                                                                                 They should be repudiated. Violations of the FannieMae guidelines, which is not only the vast majority of all mortgages,
                                                                    but is also used as an industry standard. Any violations (FRAUD), means the lender must buy back the loan.”

An Attorney replied: These statements are both legal opinions and, more importantly, they are absolutely wrong. 
                              Please do NOT tell anyone things like this.  I found these statements at Active rain....
  There is no such thing as a “violation” of Fannie Mae guidelines.