> the share of young people getting their first mortgage between 2009 and 2011 is half what it was just 10 years ago I would like to explain to the author, ver

> the share of young people getting their first mortgage between 2009 and 2011 is half what it was just 10 years ago I would like to explain to the author, very slowly and carefully, that something happened in 2008 which made banks a bit more wary of lending to people they would call "subprime." I tried to get a mortgage this spring and failed, even with a good income and 35% down payment.