Agency problems in the subprime mortgage market included all of the following EXCEPT the evaluators of securities were subject to conflicts of interest. mortgage originators had little incentives to make sure that the mortgagee is a good credit risk. the credit rating agencies were subject to conflicts of interest. underwriters of mortgage-backed securities had weak incentives to make sure that the holders of the securities would be paid back. O homeowners could refinance their houses with larger loans when their homes appreciated in value