Mortgage lenders fueled the financial collapse by marketing subprime loans to people who couldn't afford them. They disappeared as the housing market crashed, but subprime mortgages could return.
Congress's proposed plans to phase out government-backed mortgage giants Fannie Mae and Freddie Mac will almost certainly mean higher mortgage rates for consumers.
With signs of vigor returning to the real estate market, it's easy to miss the other reality: Many people got stuck with terrible mortgages during the boom years and the Obama administration says they still need help.
The value of the benchmark 10-year Treasury note is down, amid signs the U.S. economy is gathering strength. The yield is up to 2.14 percent, and 30-year mortgage rates are inching close to 4 percent, the highest in a year.