In a 5 page analysis, complete the following. (Cover sheet and References included in 5 page paper)

1. The importance of underwriting standards to a healthy real estate finance market.

2. Changes to mortgage underwriting standards prior to the real estate boom that may have helped the boom accelerate and also created the conditions for the real estate collapse.

3. Changes to mortgage underwriting standards after the real estate collapse that were enacted as a response to the collapse.

4. Give an example of current underwriting standards for any underwriting group.

Your work should be in proper APA format.