The product(s) for the following reaction would mainly be dictated by which mechanism? 
Definitions:
Collateralized
Secured by an asset or property as a guarantee to repay a loan.
Amortized
The process of gradually reducing a debt through regular payments over time, which include both principal and interest components.
Borrower Defaults
Borrower defaults occur when a borrower fails to meet the legal obligations of a loan, such as not making scheduled payments.
Legal Documents
Written instruments that express rights, duties, entitlements, or liabilities legally enforceable by judicial action.
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