As many of you know, my former career was in research and in government. If you weren't aware, there is a lot of great information that's freely available regarding many industries, including mortgages. But, you have to know where to find it. Here is one professor's view of the non-prime (subprime) mortgage market in the USA from testimony before U.S. House Of Representatives. This report covers an overview of the market, credit spreads and lending disruptions. All things which affect the subprime mortgage market. The better educated you are on these types of the loans, the more you will be able to sell. Enjoy! This resource is in Adobe PDF format.