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HBS Working Knowledge March 14, 2011 Sean Silverthorne	Keeping Credit Flowing to Consumers in Need The economy will continue to depend on large numbers of low-wage workers. If lenders tighten credit too stringently, millions of Americans will be barred from borrowing.
HBS Working Knowledge September 12, 2007 Nicolas P. Retsinas	Building Sandcastles: The Subprime Adventure A look at what went wrong in the subprime industry and why.
The Motley Fool July 13, 2007 Dan Caplinger	A Tale of Two Borrowers Unfortunately, many homeowners never consider that they may not really be able to afford the home they own. As painful as it is to give up your home, it's not worth risking financial ruin to stay in a home you can't pay for.
The Motley Fool January 9, 2007 Richard Gibbons	Profit From the Housing Bust Smart investors recognize opportunity when everyone else is panicking. If you are prepared to consider a very risky short strategy, then homebuilders and lenders might seem like obvious targets.
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
BusinessWeek October 16, 2006 James Mehring	More Scrutiny For High-Risk Mortgages New guidance put out by U.S. bank regulators warned lenders to keep up their due diligence when issuing exotic mortgages. The impact could be fewer mortgages and less demand for homes.
The Motley Fool February 28, 2011 Dan Caplinger	Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market.
BusinessWeek July 9, 2007 James C. Cooper	Housing's New Risks For The Economy Mortgage rates are up, credit is tighter, and home prices are falling faster.
The Motley Fool December 5, 2006 Dan Caplinger	The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.
This Old House L. Gallant & D. Snoonian	The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you.
The Motley Fool October 12, 2006 Mary Dalrymple	Payment Shock! The Fed worries that mortgage buyers will get blindsided by certain mortgages. If you're in the market for a home, look at all of the different types of mortgages available.
The Motley Fool June 23, 2011 Selena Maranjian	Banks Say No Thanks to Reverse Mortgages Should you do likewise?
The Motley Fool October 18, 2004 Chris Mallon	Not in Your Best Interest Danger lurks down the road for people with interest-only mortgages.
BusinessWeek August 22, 2005 Peter Coy	Piggy Bank -- Or House Of Cards? As downpayments shrink sharply, highly leveraged homebuyers may be in for a fall.
The Motley Fool April 12, 2011 Selena Maranjian	Good Luck Getting That Mortgage Now! Securing a home loan grows ever more difficult -- but still not impossible.
The Motley Fool October 26, 2007 Dan Caplinger	Don't Cut Off ARMs to Spite Your Face Mortgage products aren't the problem. Borrowers are. Used correctly, option ARMs provide flexibility that can be extremely helpful to borrowers whose cash flow isn't steady and predictable.
The Motley Fool March 21, 2006 Selena Maranjian	Mortgage Science Fiction Some mortgages are likely to outlive you. Think twice before signing up.
The Motley Fool August 12, 2005 Selena Maranjian	Dangerous Borrowing Beware of quicksand with credit cards and mortgages. Dangers abound when we borrow. Credit cards, if used suboptimally, can land you a world of trouble, while even mortgages these days are carrying more risks than ever.
The Motley Fool January 26, 2005 Selena Maranjian	When Debt Is Too Good to Be True Beware of interest-only mortgages and other extreme loans.
The Motley Fool February 15, 2008 Dan Caplinger	Can You Really Just Walk Away? Giving up on your mortgage and letting the bank foreclose on your property might seem easy, but how smart is it?
BusinessWeek March 12, 2007 Mara Der Hovanesian	Lender Woes Go Beyond Subprime Few are feeling the hangover from housing's heyday as much as subprime lenders that cater to risky borrowers.
The Motley Fool December 4, 2006 Dan Caplinger	Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.
The Motley Fool June 9, 2008 Chuck Saletta	The Solution to the Subprime Crisis At the right price, anything is worth buying. Is the price right on these banking stocks?
The Motley Fool August 25, 2006 Selena Maranjian	Mortgage Disaster Ahead? As interest rates go up, they can take you down. If your mortgage payments are suddenly higher, you probably have rising mortgage interest rates to blame.
BusinessWeek September 11, 2006 Mara Der Hovanesian	Nightmare Mortgages They promise the American Dream: A home of your own - with ultra-low rates and payments anyone can afford. Now, the trap has sprung.
The Motley Fool September 2, 2004 Selena Maranjian	Homebuying With Good Credit, Little Cash Will this newfangled kind of mortgage help you buy a house?
BusinessWeek May 6, 2010 Jody Shenn	Mortgages: Strategic Defaults Are On the Rise By not making mortgage payments on "underwater" homes, borrowers may be paradoxically helping to boost the economy.
The Motley Fool April 19, 2004 Chris Mallon	In Your Best Interest Rising home prices make interest-only mortgages a popular tool for homebuyers.
AskMen.com Alex Matjanec	Tips For First-Time Home Buyers Though many homeowners are shaking their fists at the current housing market, this much is certain: Those considering a first home have a great opportunity to score their dream pad at a fraction of the cost.
The Motley Fool March 28, 2007 Dan Caplinger	3 Tips for Spring Homebuyers Falling home prices and upcoming rate adjustments on creative mortgages have current homeowners up against the ropes. It's a buyer's market. Take advantage!
The Motley Fool March 25, 2011 Selena Maranjian	Beware This Mercurial Mortgage The potentially risky ARM home loan is once again gaining popularity.
FDIC FYI March 28, 2002	Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders...
The Motley Fool July 9, 2009 Dan Caplinger	Let's Stop the Housing Crisis Once and for All It's hard to believe how easily it all could have been prevented. By simply following an old-fashioned standard for taking out a mortgage loan
The Motley Fool July 19, 2007 Dan Caplinger	Pay Less on Your Student Loans Should you consolidate your loans? Take the time to understand all the pros and cons before you choose what to do.
The Motley Fool November 30, 2007 Seth Jayson	Paulson's Plan to Punish the Public Treasury Secretary Hank Paulson's plan to protect homebuyers from their mistakes -- extending loan teaser rates for a few years -- will punish us all.
BusinessWeek July 19, 2004 Christopher Palmeri	Lenders Switch On Their Back-Up Systems After one of the nation's largest mortgage lenders announced earnings 17% below expectations, investors wondered if the nation's three-year-long mortgage bonanza might end not with a soft landing but with an earnings-pummeling thud.
The Motley Fool September 2, 2005 Seth Jayson	Bad-Mouthing the Bubble Unfortunately, many people are far more financially analytical when they're shopping for an MP3 player or a dishwasher than when they're purchasing a home. Readers share their concern.
BusinessWeek December 11, 2006 Mara Der Hovanesian	A Farewell To ARMs? Not Quite Yet New classes of lenders are jumping in to offer high-risk mortgages.
The Motley Fool January 10, 2007 Selena Maranjian	Housing in 2007: Will a Bubble Burst? Now that a new year is upon us, it's a good time to think of the state of housing in America today. Here's the good news for investors -- and the bad.
U.S. Banker April 2010 Kate Berry	Paying Seconds First Despite falling behind on mortgages, borrowers continue to make payments on home equity loans.
The Motley Fool September 6, 2007 David Lee Smith	The Mortgage Lenders' Dual Masters Whatever steps some lenders and loan service agents are willing to take to help troubled mortgage holders, the crush of delinquencies and foreclosures, along with radically tightened credit standards in the mortgage industry, will make for a slow recovery for the U.S. housing market.
Financial Planning November 1, 2011 June Fletcher	Going Into Reverse Several big banks have abandoned reverse mortgages this year, some watchdog groups have maligned them and consumers have shied away from them. Nevertheless, now may be a good time to recommend them to clients.
AskMen.com Michael Corbett	Home-Buying Tips When qualifying for a mortgage, as a single guy, you only have your own income to bring to the table -- no spouse or significant other help out.
BusinessWeek March 26, 2007 Mara Der Hovanesian et al.	Making Sense Of The Mortgage Mess The economy should be able to withstand the downdraft in the mortgage market.
The Motley Fool January 14, 2009 Dan Caplinger	Why the Housing Problem Isn't Going Away Low mortgage rates should be fixing everything. So why aren't they?
The Motley Fool September 14, 2007 Emil Lee	Fool on the Street: Capital One's Crystal Ball Capital One explains why the subprime mess has not spilled over into other consumer lending areas. Investors should take note.
BusinessWeek October 29, 2007 Christopher Farrell	Bankruptcy Reform Bites Back For consumers, debt relief is harder to come by. And that's adding to housing woes.
The Motley Fool August 16, 2007 John Rosevear	Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.
The Motley Fool April 4, 2008 Selena Maranjian	Some Loans Don't Make Sense Current seven-year loans offered by car vendors help us see the folly of some loans.