1. Amromin , G. A.L. Paulson 2009 Federal Reserve Bank of Chicago, Economic Perspectives 2Q http://www.chicagofed.org/digital_assets/publications/economic_perspectives/2009/ep_2qtr2009_part2_amromin_paulson.pdf
2. Avila , G. H. Nguyen P. Zorn 2013
3. Bureau of Labor Statistics http://www.bls.gov/lau/ http://files.consumerfinance.gov/f/201310_cfpb_qm-guide-for-lenders.pdf
4. http://files.consumerfinance.gov/f/201310_cfpb_qm-guide-for-lenders.pdf
5. The Downs and Ups of FHA Lending: The Government Mortgage Roller Coaster Ride;Courchane;Journal of Housing Economics,2014