In the United States, the fixed-rate, level-payment mortgage is the most popular way, which gives rise to extension risk, the focus of American commercial banks.

美国住房抵押贷款主要采用固定利率等额还款方式，因而利率上升带来的延展风险是美国商业银行关注的焦点；

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With the extension of the Mortgage Forgiveness Debt Relief Act, the short sale surge is likely to continue in 2013.

FORBES: Worst Of Foreclosure Crisis Is Over But Problems Remain

Congress and the Obama administration are turning to an unlikely source to pay for the proposed extension of the payroll-tax cut: mortgage-finance giants Fannie Mae and Freddie Mac.

WSJ: Fannie, Freddie Put Forth to Cover Payroll-Tax Cut

Among those measures, it said it would purchase agency debt and mortgage-backed securities to provide support to the mortgage and housing markets, and that early next year it would take measures to facilitate the extension of credit to households and small businesses.

FORBES: Magazine Article