What is a "subprime mortgage"? what is a "deeper pool of capital"? Why would securitization give mortgage borrowers acces to a deeper pool of capital? would a subprime borrower be likely to pay a higher or a lower interest rate than a borrower with a better credit history? under what circumstances might a lender prefer to loan money to a borrower with a poor credit history rather than to a borrower with a good credit history? explain.