If a broker puts you into a sub prime loan and you're A credit, they receive what is called the yield spread premium, which also synonymous to a kick back.

NPR: Protect Yourself Against Lending Fraud

Those who entered into sub-prime loan agreements were convinced otherwise, and the resulting cascade of foreclosures did far more to damage the economy than a collective case of cold feet about buying ever could.

FORBES: Fewer Americans Want To Buy a Home. Is That Really So Bad?

The squeeze on mortgages has led to the entry of "credit crunch", along with the US source of the crisis - the "sub-prime" home loan to those with a poor credit history.

BBC: Credit crunch enters the lexicon

According to Fannie Mae, the government-sponsored mortgage-lending agency, up to half the people who take out sub-prime loans could qualify for a prime loan, which charges as much as four percentage points less interest, a huge saving over the 30-year life of a mortgage.

ECONOMIST: Lawmakers, state and federal, are mounting an attack

He made his Rangers debut under Alex McLeish in December 2002 but would make just four sub appearances for the club before joining Scunthorpe United on loan, where he scored 25 goals.

BBC: Steven MacLean