Another program, called FHA Secure, helps credit-worthy borrowers refinance so-called subprime mortgages that have a low introductory interest rate but later re-set at higher rates.

另一个项目叫作FHA保证，帮助仍然有信誉的借贷人重新贷款，这种贷款开始时利率很低，但是以后会逐渐升高，也叫做次级抵押贷款。

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This is much more secure than stocks or other investments, but the interest rate is higher than with a regular savings account.

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In the current negative real interest rate environment, these large cap stocks will be big beneficiaries as investors seek out secure, growing dividend yields, something that fixed income markets will not be able to provide.

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