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2. The Average Credit Scores for 5 Types of Mortgage Loans - AOL

   www.aol.com/finance/average-credit-scores-5...

   Credit scores are on the rise. According to Experian, since 2016, the average credit score for all consumers has risen from 699 to 715. Over the same time period, the average credit score for ...

3. Millions of Americans could become ineligible for a mortgage ...

   www.aol.com/finance/mortgages-could-ultimately...

   In addition, TransUnion says if 5% of all Americans were to borrow a new mortgage based on a bi-merge score over the next 12 months, 600,000 new borrowers could face higher interest rates and pay ...

4. Credit rating agencies and the subprime crisis - Wikipedia

   en.wikipedia.org/wiki/Credit_rating_agencies_and...

   source: Final Report of the National Commission on the Causes of the Financial and Economic Crisis in the United States, p.229, figure 11.4 Credit rating agencies came under scrutiny following the mortgage crisis for giving investment-grade, "money safe" ratings to securitized mortgages (in the form of securities known as mortgage-backed securities (MBS) and collateralized debt obligations ...

5. What credit score do you need to buy a house? - AOL

   www.aol.com/finance/credit-score-buy-house...

   Down payment and loan-to-value (LTV) ratio: A larger down payment can help you qualify for a mortgage with a lower credit score—putting at least 20% down also might help you avoid having to pay ...

6. Government policies and the subprime mortgage crisis

   en.wikipedia.org/wiki/Government_policies_and...

   Taking the roughly 25 million mortgages outstanding at the end of each year from 2006 through 2009 and subdividing them into 500+ subgroups according to characteristics like credit scores, down payment and mortgage size, mortgage purchaser/guaranteer, etc., the Commission found the average rate of serious delinquencies much lower among loans ...

7. Housing and Economic Recovery Act of 2008 - Wikipedia

   en.wikipedia.org/wiki/Housing_and_Economic...

   The United States Housing and Economic Recovery Act of 2008 (commonly referred to as HERA) was designed primarily to address the subprime mortgage crisis.It authorized the Federal Housing Administration to guarantee up to $300 billion in new 30-year fixed rate mortgages for subprime borrowers if lenders wrote down principal loan balances to 90 percent of current appraisal value.

8. How to improve your credit score for a mortgage - AOL

   www.aol.com/finance/improve-credit-score...

   The minimum credit score required for a conventional loan is 620, while other mortgages require scores between 500 and 700. ... Mortgage credit score requirements. ... People. Mark Wahlberg's wife ...

9. Government intervention during the subprime mortgage crisis

   en.wikipedia.org/wiki/Government_intervention...

   In order for the deal to go through J.P. Morgan Chase required [24] the Fed to issue a nonrecourse loan of $29 billion to Bear Stearns. [25] [4] This means that the loan is collateralized by mortgage debt [26] and that the government can't go after J.P. Morgan Chase's assets if the mortgage debt collateral becomes insufficient to repay the loan ...