Bibliography

Subprime and ARM Mortgages
Thomas Sowell, "Politics of the Housing Boom." Chapter 2 of The Housing Boom and Bust. 

Mike Fratantoni, "Characteristics of Outstanding Residnetal Mortgage Debt: 2006," Mortgage Bankers Association Research Data Notes.

First Time Home Buyer Programs
National Association of Realtors, "2009 First Time Home Buyer Tax Credit: Form  5405." http://www.realtor.org/home_buyers_and_sellers/2009_first_time_home_buyer_tax_credit_form_5405

US Department of Housing and Urban Development. "Local Homebuying Programs."
http://www.hud.gov/buying/localbuying.cfm

US Department of Housing and Urban Development. "Common Questions for First Time Home Buyers." 26 October 2009. http://www.hud.gov/buying/comq.cfm

http://www.federalreserve.gov/fomc/beigebook/2008/

http://homebuying.about.com/od/buyingahome/bb/shopping1sttime.htm

Jumbo Mortgages
http://rismedia.com/2010-03-13/jumbo-mortgage-market-beginning-to-thaw/

http://www.loancrisis.net/interest-rate-forecast-fixed-jumbo-loan-rates-higher-in-2010-2.html

http://en.wikipedia.org/wiki/Jumbo_mortgage

http://www.ritholtz.com/blog/wpcontent/uploads/2010/02/5501299.gif&imgrefurl

http://jumbomortgagereviews.com/