The subprime mortgage crisis brought underwriting standards back into the mortgage origination process. And while the final quarter of 2009’s financial meltdown led to a sense that financing had dried up, mortgage funds are now available.

“If you have a job and can afford the payment, chances are you’ll qualify for a mortgage,” says David Reed, a mortgage banker and author of Mortgage Confidential: What You Need to Know That Your Lender Won’t Tell You. (more…)