At the same time, the subprime mortgage problem was disguised for a time by rising home values that enabled borrowers to refinance their loans. "Because subprime loans were frequently securitized and incorporated into complex structured ... The very faceless nature of online mortgages makes them difficult to trust. There is, after all, much sensitive information that you would have to give out when you apply for a mortgage. Such information may include your social security number, your full name, your address, your monthly income, et cetera. Thus, it is therefore advisable that you only conduct these types of online transactions with an established institution.