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    <subfield code="a">Reed, David,</subfield>
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    <subfield code="a">Decoding the new mortgage market</subfield>
    <subfield code="h">[electronic resource] :</subfield>
    <subfield code="b">insider secrets for getting the best loan without getting ripped off /</subfield>
    <subfield code="c">David Reed.</subfield>
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    <subfield code="a">What happened, and how did we get here? -- Fannie Mae and Freddie Mac : underwriting changes that affect every potential homeowner -- Government-backed loans : VA, FHA, and USDA -- Qualifying the new way : understanding automated underwriting systems -- Banks, mortgage banks, and mortgage brokers in the new mortgage market -- Loan programs : which is right for you? -- Funds for closing : down payments and closing costs -- What to do when things go wrong.</subfield>
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    <subfield code="a">Despite the credit crunch, prospective homeowners can take advantage of an extreme buyer's market. But they still need to be careful.</subfield>
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    <subfield code="a">Reed, David (Carl David),</subfield>
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