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  2. Government policies and the subprime mortgage crisis

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

    One study, by a legal firm which counsels financial services entities on Community Reinvestment Act compliance, found that CRA-covered institutions were less likely to make subprime loans (only 20–25% of all subprime loans), and when they did the interest rates were lower. The banks were half as likely to resell the loans to other parties. [114]

  3. Subprime lending - Wikipedia

    en.wikipedia.org/wiki/Subprime_lending

    These loans are characterized by higher interest rates, poor quality collateral, and less favorable terms in order to compensate for higher credit risk. [3] During the early to mid-2000s, many subprime loans were packaged into mortgage-backed securities (MBS) and ultimately defaulted, contributing to the financial crisis of 2007–2008. [4]

  4. Subprime mortgage crisis - Wikipedia

    en.wikipedia.org/wiki/Subprime_mortgage_crisis

    Subprime loans have a higher risk of default than loans to prime borrowers. [108] If a borrower is delinquent in making timely mortgage payments to the loan servicer (a bank or other financial firm), the lender may take possession of the property, in a process called foreclosure .

  5. What is a subprime mortgage? - AOL

    www.aol.com/finance/subprime-mortgage-175324178.html

    Other options you might want to consider besides a subprime home loan include: FHA loans – If your credit score is at least 580, consider an FHA loan with a down payment of 3.5 percent. If your ...

  6. Subprime Auto Loans: What They Are and the Risks Involved

    www.aol.com/subprime-auto-loans-risks-involved...

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  7. 'The New Subprime' Mortgage: Risky Loans Emerge in ... - AOL

    www.aol.com/2013/01/09/the-new-subprime-mortgage...

    Mortgages resembling the kind of subprime loans that were blamed for the foreclosure crisis are creeping back into the market, leaving some experts and regulators alarmed. The loans give a ...

  8. Subprime crisis background information - Wikipedia

    en.wikipedia.org/wiki/Subprime_crisis_background...

    The value of U.S. subprime mortgages was estimated at $1.3 trillion as of March 2007, [18] with over 7.5 million first-lien subprime mortgages outstanding. [19] Approximately 16% of subprime loans with adjustable rate mortgages (ARM) were 90-days delinquent or in foreclosure proceedings as of October 2007, roughly triple the rate of 2005. [20]

  9. 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 ...

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