Here’s the quote from the Mortgage Bankers Association:  “We have caused extraordinary damage.”

There are always two bottoms to a housing market. Here’s a great article that explains the first (new construction home starts) and the second bottom (home values.

Here’s the article on FHA’s solvency. What’s the plan if the FHA mortgage insurance fund runs out of money?

Here’s a link to where I get all my cool graphs and charts.  Many thanks to Bill McBride who runs Calculated Risk.

Here are a couple of articles on the differences between financial planners and the duties they owe to clients.

There was a question about how mortgage company branch managers are paid and will their compensation change under Dodd Frank. Here’s a PPT slide deck in PDF form that runs through the changes.

Here’s a link to amazon describing the Malcom Gladwell book “Outliers.”