Contents; Chapter 1 What Happened, and How Did We Get Here?; Chapter 2 Fannie Mae and Freddie Mac: Underwriting Changes That Affect Every Potential Homeowner; Chapter 3 Government-Backed Loans: VA, FHA, and USDA; Chapter 4 Qualifying the New Way: Understanding Automated Underwriting Systems; Chapter 5 Banks, Mortgage Banks, and Mortgage Brokers in the New Mortgage Market; Chapter 6 Loan Programs: Which Is Right for You?; Chapter 7 Funds for Closing: Down Payments and Closing Costs; Chapter 8 What to Do When Things Go Wrong; Appendix: Monthly Payment Schedules; Glossary; Index