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2. Government policies and the subprime mortgage crisis

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

   Government housing policies guaranteed home mortgages and/or promoting low or no down payment have been criticized by economist Henry Hazlitt as "inevitably" meaning "more bad loans than otherwise", wasting taxpayer money, " leading to "an oversupply of houses" bidding up[ the cost of housing. In "the long run, they do not increase national ...

3. Subprime mortgage crisis solutions debate - Wikipedia

   en.wikipedia.org/wiki/Subprime_mortgage_crisis...

   A 2009 Republican congressional staff report cited government pressure as a cause of the crisis: "Washington must reexamine its politically expedient but irresponsible approach to encouraging higher levels of home ownership based on imprudently small down payments and too little emphasis on borrowers’ creditworthiness and ability to repay ...

4. Regulatory responses to the subprime crisis - Wikipedia

   en.wikipedia.org/wiki/Regulatory_responses_to...

   Provides loans for the refinancing of mortgages to owner-occupants at risk of foreclosure. The original lender or investor reduces the amount of the original mortgage (typically taking a significant loss) and the homeowner shares any future appreciation with the Federal Housing Administration. The new loans must be 30-year fixed loans.

5. Fed Cuts Aren't the Key–Labor Will Decide Mortgage Rates ...

   www.aol.com/fed-cuts-arent-key-labor-153043026.html

   The recent Federal Reserve rate cut has set the stage for potentially lower mortgage rates but industry experts are looking beyond central bank policy to gauge where rates might land by year-end ...

6. How to get a mortgage when you’re self-employed - AOL

   www.aol.com/finance/mortgage-self-employed...

   It’s not impossible for a self-employed person to get approved, but you may have more success after several years in business. FHA mortgage: FHA loans are guaranteed by the Federal Housing ...

7. Federal Reserve responses to the subprime crisis - Wikipedia

   en.wikipedia.org/wiki/Federal_Reserve_responses...

   The U.S. central banking system, the Federal Reserve, in partnership with central banks around the world, took several steps to address the subprime mortgage crisis.. Federal Reserve Chairman Ben Bernanke stated in early 2008: "Broadly, the Federal Reserve’s response has followed two tracks: efforts to support market liquidity and functioning and the pursuit of our macroeconomic objectives ...