220 In the post-war period, the standard of living in the US has increased significantly, and more than two-thirds of families have achieved the American Dream of homeownership. The recent sub-prime mortgage and financial crisis resulted from a perfect storm of bad housing policy, real estate speculation, and necessary monetary policy. A healthy future for the financial markets depends on effective reforms and institutions to regulate financial instruments with limited government manipulation https://jbrmr.com/details&cid=220 https://jbrmr.com/cdn/article_file/i-23_c-220.pdf Volume 10 Issue 2 23 2016-04-01 2016-04-25 no Financial crisis Mortgage Finance Mortgage-backed Securities Housing Policy none 582001 42 0 Robert Driver LeTourneau University Warren Matthews LeTourneau University