If you weren’t buying or refinancing a home in the mid-2000s, “subprime” might just be a word you’ve heard in passing — usually attached to the phrase “mortgage crisis.” If you were around back then, you probably remember it very differently: as a borrower who got a loan you probably shouldn’t have, as a homeowner watching your neighborhood fill with for-sale signs, or — in my case — as a loan officer watching an entire segment of the industry implode in real time. [Read more…]