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2. First-Time Homebuyer’s Guide to Mortgage Loans, Programs and ...

   www.aol.com/first-time-homebuyer-guide-mortgage...

   First-time homebuyers have a number of mortgage loans and programs to choose from. ... Income restrictions: Vary by location; program map is located on the USDA website.

3. Home Owners' Loan Corporation - Wikipedia

   en.wikipedia.org/wiki/Home_Owners'_Loan_Corporation

   [11] [12] HOLC maps [13] generated during the 1930s to assess credit-worthiness were color-coded by mortgage security risk, with majority African-American areas disproportionately likely to be marked in red indicating designation as "hazardous." [14] These maps were made as part of HOLC's City Survey project that ran from late 1935 until 1940. [15]

4. Government policies and the subprime mortgage crisis

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

   At this time, subprimes represented a tiny fraction of the overall mortgage market. [69] In 2003, after the use of subprimes had been greatly expanded, and numerous private lenders had begun issuing subprime loans as a competitive response to Fannie and Freddie, the GSE's still controlled nearly 50% of all subprime lending.

5. Subprime mortgage crisis - Wikipedia

   en.wikipedia.org/wiki/Subprime_mortgage_crisis

   The American subprime mortgage crisis was a multinational financial crisis that occurred between 2007 and 2010 that contributed to the 2007–2008 global financial crisis. The crisis led to a severe economic recession, with millions losing their jobs and many businesses going bankrupt.

6. 3 reasons why we aren’t in a housing emergency ... - AOL

   www.aol.com/finance/3-reasons-why-aren-t...

   There are a lot of reasons why that is: 98% of outstanding borrowers are locked in at a below-market mortgage rate; almost 40% of homeowners are mortgage free; and there’s a massive shortage of ...

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 ...