At the heart of a scandalSan Gabriel Valley Tribune, CA -May 31, 2008One former worker whose job was to catch bad loans says her supervisors covered them up." NPR found a woman named Tracy Warren whose job was supposed to be ... When you're on the look out for a new home, you need cash. A lot of it. Most homes today have down payments that are more than what the buyer can afford right then and there. The solution for this? A mortgage.