Why is this strange? The majority of lenders repackage and sell off loans that they originate. Of course they are prioritizing short term profit. As for buyers

Why is this strange? The majority of lenders repackage and sell off loans that they originate. Of course they are prioritizing short term profit. As for buyers, also what's not to love? Buying points gets you more cash flow than the reduced principal. There's some math to do, and some financial projection, where you expect to be in 5 years, etc. It's great to have the option.