海角大神

鈥淗ere鈥檚 what we were thinking: what if we did for mortgages what the Internet did for buying music, and plane tickets and shoes?"

Quicken Loans asked in their , where the company advertised their new online tool Rocket Mortgage.

Using Rocket Mortgage, future homebuyers聽can get a mortgage on their phones, according to the ad. And more homebuyers are good for America, the ad suggests, because they encourage patriotic consumption with more people buying more stuff like couches, blenders and lamps.聽

鈥淲hat we鈥檙e saying is that a strong housing market filled with responsible homeowners ,鈥� Quicken Loan鈥檚 chief executive Bill Emerson tells The Wall Street Journal.聽

While some criticized the ad鈥檚 promotion of unabated consumerism, most took issue with the way it evokes the environment leading up to the聽2007-2009 subprime mortgage crisis, especially punctuated by the ending tagline: 鈥淧ush Button, Get Mortgage.鈥� That crisis led directly to a global financial crisis, and then to the Great Recession.

Financial experts and pundits alike took to Twitter:

The same global meltdown that was interpreted in a recent film.

Based on the 2010 book by Michael Lewis, "The Big Short" explains in detail what happened in the housing market that led to the 2008 financial crisis. Some have described it as the first film to explain the financial concepts and shortcomings of the housing market to a mainstream audience. Director Adam McKay uses celebrities like Margot Robbie and Selena Gomez to explain confusing investment lingo to viewers.聽

While the movie is both educational and entertaining, it speaks to the fears and financial failures of American homeowners.聽

鈥淔or those who vividly remember the crisis, , showing all the points at which safety mechanisms failed to kick in,鈥� Atlantic writers Bourree Lam and Gillian B. White explained. 鈥淔or those who don鈥檛 remember or weren鈥檛 paying close attention, it鈥檚 a good primer on how the recession started. For both groups, it鈥檚 worth watching.鈥澛�

For some, the Quicken Loans' Super Bowl ad was a harbinger.聽CNET鈥檚 Chris Matyszczyk鈥檚 says Quicken Loans鈥� ad is so strongly reminiscent of pre-2008 behavior that it might 鈥�.鈥�

Quicken company officials say the app advertised facilitates the loan application process, but it does not encourage irresponsible lending.聽

鈥淚 don鈥檛 see any harm in those who qualify getting a mortgage more easily,鈥� Quicken Loans President and Chief Marketing Officer Jay Farner tells CNET. 鈥淲e think the American dream is an important thing. And our research tells us it鈥檚 an important thing. All we鈥檙e trying to say is, That鈥檚 good.鈥�

Quicken isn鈥檛 going back to pre-2008 lending, Mr. Emerson tells The Wall Street Journal, because 鈥渢hose programs don鈥檛 exist anymore.鈥澛�

Instead, his company is trying to engage the qualified homeowners who 鈥渄on鈥檛 want to get engaged because they鈥檙e afraid of the process鈥� says Emerson. 鈥淚f we could give them an opportunity to interact with technology, understand the operation, maybe we could get some of these folks who qualify off the sidelines.鈥澛�

Quicken鈥檚 track record should also be noted. The company avoided most subprime products around the turn of the century, making it one of the only large nonbank lenders to make it out of the 2008 crisis alive.聽

In fact, says Mr. Farner, the convenient new Rocket Mortgage app could actually help raise buyers' education levels.聽

鈥淚 think that everyone is realizing it鈥檚 time ,鈥� Farner tells CNN, 鈥渋n our mind that is about transparency.鈥澛�