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mortgage rates subprime – Best Mortgage Refinance Rates for Home Loans

by David Bakke

What exactly is a subprime mortgage?
Apr 18, 2007 . There are conflicting accounts of the size of the subprime market. Depending on who you talk to, it accounts for 20 percent of all mortgage loans .
http://www.bankrate.com/brm/news/mortgages/20070418_subprime_mortgage_definition_a1.asp

Subprime Mortgages - Bad Credit Home Mortgage Loan Rates
Find and compare subprime mortgage rates and options with PersonalHomeLoanMortgages.com, including credit scores and prepayment penalties.
http://www.personalhomeloanmortgages.com/mortgage-rates/subprime-mortgages/

Refinancing Options

Subprime lending - Wikipedia, the free encyclopedia
These loans are characterized by higher interest rates and less favorable terms in order to compensate for higher credit risk. Proponents of subprime lending .
http://en.wikipedia.org/wiki/Subprime_lending

What Is a Sub-Prime Mortgage Lender? - Mortgage Professor
A very common mortgage in the subprime market, which I have never seen outside of that market, is the 2/28 ARM. This is an adjustable rate mortgage on which .
http://www.mtgprofessor.com/a%20-%20type%20of%20loan%20provider/what_is_a_sub-prime_lender.htm

  • HowStuffWorks "How Subprime Mortgages Work"
    Oct 4, 2011 . The interest rates on subprime mortgages can vary wildly. They're partially based on a variety of risk-based factors including: Credit score; Size .
    http://home.howstuffworks.com/real-estate/subprime-mortgage.htm

    Best Subprime Mortgage Rate
    Over the last decade we have seen a substantial increase in Subprime mortgage lending and this type of lending now makes up a significant portion of the .
    http://www.streetdirectory.com/travel_guide/195679/mortgages/best_subprime_mortgage_rate.html

  • Despite Record Low Mortgage Rate, Subprime Borrowers Are Still ...
    Feb 10, 2012 . Fitch published a study this week (via HousingWire's Kerri Panchuk) showing that only 5% of the country's subprime mortgage borrowers have .
    http://articles.businessinsider.com/2012-02-10/markets/31044996_1_subprime-borrowers-subprime-loans-loan-modifications

  • Concept:Subprime lending
    OVERVIEW -- We reviewed 131 U.S. RMBS transactions backed by subprime mortgage loan collateral issued between 1996 and 2007. -- We lowered our .
    http://www.wikinvest.com/concept/Subprime_lending

    Subprime Mortgage Definition | Investopedia
    Lending institutions often charge interest on subprime mortgages at a rate that is higher than a conventional mortgage in order to compensate themselves for .
    http://www.investopedia.com/terms/s/subprime_mortgage.asp

  • Default Rates on Prime and Subprime Mortgages: Differences ...
    Sep 2, 2010 . For the past several years, the news media have carried countless stories about soaring defaults among subprime mortgage borrowers.
    http://www.chicagofed.org/webpages/publications/profitwise_news_and_views/2010/pnv_september2010.cfm

Subprime mortgages: Myths and reality | vox - Research-based ...
Oct 17, 2009 . The belief that mortgage rate resets caused many subprime defaults has its origin in the statistical analyses of loan performance that were done .
http://www.voxeu.org/index.php?q=node/4102

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First-Time Home Buyers

Subprime Loans - Mortgage Calculator
Those with bad credit are generally only eligible for subprime mortgages. These are loans with higher interest rates to offset the mortgage company's increased .
http://www.mortgage101.com/article/subprime-loans

The Subprime Lending Crisis: Causes and Effects of the Mortgage ...
With the collapse of the housing bubble came high default rates on subprime, adjustable rate, “Alt-A” and other mortgage loans made to higher-risk borrowers .
http://www.business.cch.com/bankingfinance/focus/news/Subprime_WP_rev.pdf

Questionnaires and Calculators

Explain the Subprime Mortgage Rate Crisis | Home Guides | SF Gate
With the exception of the burst of the dot-com bubble and the temporary slowdown after 9/11, America saw continued expansion of the economy during the late .
http://homeguides.sfgate.com/explain-subprime-mortgage-rate-crisis-2614.html

Subprime Lending and Subprime Lenders | The Truth About ...
So how did the subprime lending industry get its start? As mortgage rates dropped and home buying became wildly popular, many potential homeowners sought .
http://www.thetruthaboutmortgage.com/subprime-lending-and-subprime-lenders/

Who will get relief from subprime mortgage mess
Advice for homeowners who are still paying the teaser rates on their subprime mortgages: Keep making those loan payments, and answer the phone when the .
http://www.bankrate.com/finance/mortgages/who-will-get-relief-from-subprime-mortgage-mess-1.aspx

Final Word

Lenders tighten loan standards on subprime mortgage customers ...
Apr 18, 2007 . Mortgage lenders are tightening standards for loans to the 15 percent of potential borrowers who have the worst credit.
http://www.bankrate.com/brm/news/mortgages/20070301_subprime_lenders_tighten_standards_a1.asp

Mortgage Rates – Find the Lowest Refinance and Home Mortgage ...
Subprime mortgage loans are for borrowers with bad credit and usually carry higher interest rates. Subprime loans also .
http://www.personalhomeloanmortgages.com/mortgage-rates/

Subprime mortgage crisis - Wikipedia, the free encyclopedia
High default rates on "subprime" and adjustable rate mortgages (ARM), began to increase quickly thereafter. Lenders began originating large numbers of high .
http://en.wikipedia.org/wiki/Subprime_mortgage_crisis

Subprime Mortgage Bonds Get AAA Rating S&P Denied to U.S. ...
Aug 31, 2011 . That's a better track record than rivals, with the rate on subprime mortgages packaged into bonds averaging almost 37 percent, Bloomberg data .
http://www.bloomberg.com/news/2011-08-31/subprime-mortgage-bonds-getting-aaa-rating-s-p-denies-to-u-s-treasuries.html

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Sub Prime Mortgages - Current Rates, News and Information about ...
Current sub prime mortgages articles, rates, information and .
http://www.gobankingrates.com/mortgage-rates/sub-prime-mortgages/

Quick Exits of Subprime Mortgages
current, prepay (usually through refinancing), or default on the loan. The latter two options termi- nate the loan. The termination rates of subprime mortgages that .
http://research.stlouisfed.org/publications/review/09/03/Demyanyk.pdf

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Comments

  • Vinnie

    The Nature and the Origin of the Subprime Mortgage Crisis
    These subprime borrowers would be charged a higher interest rate. Having put the lending agencies into the position of granting subprime mortgages Fannie .
    http://www.sjsu.edu/faculty/watkins/subprime.htm

  • http://mortgagerefinancebasics.com/ Brian S

    USATODAY.com - Subprime loan market grows despite troubles
    Dec 7, 2004 . Subprime mortgage activity grew an average 25% a year from 1994 to 2003, outpacing the rate of growth for prime mortgages. The industry .
    http://www.usatoday.com/money/perfi/housing/2004-12-07-subprime-day-2-usat_x.htm

    The Dangers of Sub-Prime Lending: Money Matters - Yahoo! Finance
    May 17, 2004 . For example, sub-prime mortgages can carry interest rates that are double what you would pay if you were considered a "good" credit risk.
    http://biz.yahoo.com/pfg/e06subprime/art011.html

  • David Bakke

    Thanks for expanded on the article–our readers are sure to appreciate it

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