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2. Government policies and the subprime mortgage crisis

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

   Among the new mortgage loan types created and gaining in popularity in the early 1980s were adjustable-rate, option adjustable-rate, balloon-payment and interest-only mortgages. These new loan types are credited with replacing the long-standing practice of banks making conventional fixed-rate, amortizing mortgages.

3. What Is the Current Prime Rate and How Does It Affect You? - AOL

   www.aol.com/current-prime-rate-does-affect...

   Many adjustable-rate loan products are advertised as “prime plus 2%” or “prime plus 9.99%” to reflect the interest methodology. This describes how the interest rate is tied directly to the ...

4. What is a subprime mortgage? - AOL

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

   Subprime vs. prime mortgage requirements. Prime mortgage requirements. 700+ As low as 3%. 7%. ... The adjustments are based on the performance of a market index plus a margin. Most lenders have a ...

5. Subprime mortgage crisis - Wikipedia

   en.wikipedia.org/wiki/Subprime_mortgage_crisis

   [93] [94] [95] Another indicator of a "classic" boom-bust credit cycle was a narrowing of the difference between subprime and prime mortgage interest rates (the "subprime markup") between 2001 and 2007. [96] In addition to considering higher-risk borrowers, lenders had offered progressively riskier loan options and borrowing incentives.

6. Subprime mortgage crisis solutions debate - Wikipedia

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

   A report released in April 2009 by the Office of the Comptroller of the Currency and Office of Thrift Supervision indicated that fewer than half of loan modifications during 2008 reduced homeowner payments by more than 10%. Nearly one in four loan modifications during the fourth quarter of 2008 actually increased monthly payments. Nine months ...

7. AOL - Finance News & Latest Business Headlines - AOL.com

   www.aol.com/real-estate

   Realtors group forecasts US 30-year fixed-rate mortgage averaging 6% in 2025 ... Australian Prime Minister Anthony Albanese launched a new building programme to address a critical housing shortage ...