In the 2000s savings and loans institutions significantly increased the number of subprime mortgages they offered.  Note: subprime mortgages are loans to people who have not-so-good credit and/or ability to make loan payments for home purchases.  After the 2008-09 recession they became much less common. why subprime mortgages are or are not good for the country and the individuals who take these mortgages? What are the positive and negative effects?

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