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2. 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 ...

3. Down payment assistance: How it works and how to get it - AOL

   www.aol.com/finance/mortgage-down-payment...

   When you buy a home with a mortgage, that mortgage is the first or primary lien on the property. A second mortgage is an additional lien tied to your home. In the case of down payment assistance ...

4. Buying down mortgage rates wasn’t worth it in 2023, experts ...

   www.aol.com/finance/buying-down-mortgage-rates...

   For instance, last week Sharon quoted a client at a rate of 7.125% with no fees. If his client wanted to buy the rate down to 6.75%, it would cost $1,348 in discount points.

5. Mortgage points: What are they and how do they work? - AOL

   www.aol.com/finance/mortgage-points-192840885.html

   Each mortgage discount point typically lowers your loan’s interest rate by 0.25 percent. One point would lower a mortgage rate of 6.5 percent to 6.25 percent for the life of the loan.

6. Home Affordable Refinance Program - Wikipedia

   en.wikipedia.org/wiki/Home_Affordable_Refinance...

   The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae. Many homeowners are unaware that their mortgages are linked to one of these organizations, since neither Freddie Mac nor Fannie Mae deals directly with the public. The mortgage must have been acquired by Freddie Mac or Fannie Mae on or before May 31, 2009.

7. Matthew Cox - Wikipedia

   en.wikipedia.org/wiki/Matthew_Cox

   Matthew Bevan "Matt" Cox (born July 2, 1969) is an American former mortgage broker and admitted mortgage fraudster and con man. Cox, also a true crime author, wrote an unpublished manuscript entitled The Associates in which the main character traveled the country to perpetrate a mortgage fraud scheme similar to the one Cox ran.