A Study Of Mortgage Credit

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The Color of Credit

Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)

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Book Synopsis The Color of Credit by : Stephen L. Ross

Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.

A Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Publisher :
ISBN 13 :
Total Pages : 504 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis A Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing

Download or read book A Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and published by . This book was released on 1967 with total page 504 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Publisher :
ISBN 13 :
Total Pages : 75 pages
Book Rating : 4.:/5 (6 download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and published by . This book was released on 1960 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and published by . This book was released on 1960 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 874 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1959 with total page 874 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines problems and developments associated with homebuilding, the housing market, family income, and mortgage financing forecast during next decade.

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 284 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1961 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Pass the Mortgage Loan Originator Test

Author : Real Estate Institute
Publisher :
ISBN 13 : 9780997562118
Total Pages : 200 pages
Book Rating : 4.5/5 (621 download)

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Book Synopsis Pass the Mortgage Loan Originator Test by : Real Estate Institute

Download or read book Pass the Mortgage Loan Originator Test written by Real Estate Institute and published by . This book was released on 2020-02-08 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make no mistake, the SAFE National With UST exam is tough. This UPDATED and REVISED study guide has helped thousands of MLOs nationwide successfully kick off their careers as state-licensed loan originators. "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" delivers critical information - covering the topics on the most recent version of the NMLS content outline - in a clear and concise manner. This means that what is learned is actually retained. Most importantly, with this resource, you don't just memorize useless questions. You are thoroughly immersed in the material that you need to master in order to successfully pass the exam on your first attempt. Included practice exams help to measure how well you understand the concepts. They will give you a glimpse into the types of questions - and the difficulty - of what you'll face when you head to the testing center. Study with confidence. Authored by a team of esteemed mortgage loan originators, experienced financial writers and passionate educators, "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" provides accurate, relevant and timely information.

Understanding the Securitization of Subprime Mortgage Credit

Author : Adam B. Ashcraft
Publisher : DIANE Publishing
ISBN 13 : 1437925146
Total Pages : 76 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Understanding the Securitization of Subprime Mortgage Credit by : Adam B. Ashcraft

Download or read book Understanding the Securitization of Subprime Mortgage Credit written by Adam B. Ashcraft and published by DIANE Publishing. This book was released on 2010-03 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an overview of the subprime mortgage securitization process and the seven key informational frictions that arise. Discusses the ways that market participants work to minimize these frictions and speculate on how this process broke down. Continues with a complete picture of the subprime borrower and the subprime loan, discussing both predatory borrowing and predatory lending. Presents the key structural features of a typical subprime securitization, documents how rating agencies assign credit ratings to mortgage-backed securities, and outlines how these agencies monitor the performance of mortgage pools over time. The authors draw upon the example of a mortgage pool securitized by New Century Financial during 2006. Illustrations.

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 744 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1960 with total page 744 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Safe Mortgage Loan Originator National Exam Study Guide

Author : Patricia O'Connor
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781494465544
Total Pages : 0 pages
Book Rating : 4.4/5 (655 download)

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Book Synopsis The Safe Mortgage Loan Originator National Exam Study Guide by : Patricia O'Connor

Download or read book The Safe Mortgage Loan Originator National Exam Study Guide written by Patricia O'Connor and published by Createspace Independent Publishing Platform. This book was released on 2013-12-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Updated in July 2017 in response to the May 2017 NMLS expanded content outline for the national exam. A good book is even better! It now includes more detailed information and quiz questions that target specific newly-disclosed items on the outline. What's the secret to passing the SAFE Mortgage Loan Originator National Exam? If you answered "memorizing all the questions and answers you can find," you're wrong. You'll have a much better chance of passing the loan originator exam if you understand the material. "The SAFE Mortgage Loan Originator National Exam Study Guide - Second Edition" explains the required information and contains links to additional material. Prepare Yourself for a New Career This updated and enhanced loan originator exam manual includes the latest rulings by the Consumer Financial Protection Bureau. Other topics include: Federal Mortgage-Related Laws SAFE Act Introduction to Mortgage Lending General Mortgage Knowledge Basic Concepts of Mortgage Financing The Loan Application Underwriting, Closing and the Secondary Market Ethics and Fraud Mortgage Terminology There are quizzes throughout the book and two practice final exams to help you test your knowledge; in total, there are more than 400 questions and answers. The author was a licensed mortgage broker for seven years and passed the national exam on her first attempt. Scroll to the top of the page and select the Buy button to get started on your new career.

Mortgage Credit Analysis for Mortgage Insurance on One- to Four-family Properties

Author :
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.:/5 ( download)

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Book Synopsis Mortgage Credit Analysis for Mortgage Insurance on One- to Four-family Properties by :

Download or read book Mortgage Credit Analysis for Mortgage Insurance on One- to Four-family Properties written by and published by . This book was released on 1988 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967

Author : United States. Congress. Senate. Banking and Currency Committee
Publisher :
ISBN 13 :
Total Pages : 718 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967 by : United States. Congress. Senate. Banking and Currency Committee

Download or read book A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967 written by United States. Congress. Senate. Banking and Currency Committee and published by . This book was released on 1967 with total page 718 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 481 pages
Book Rating : 4.:/5 (6 download)

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Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency

Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1960 with total page 481 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Alternative Mortgage Instruments Research Study

Author : United States. Federal Home Loan Bank Board
Publisher :
ISBN 13 :
Total Pages : 572 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Alternative Mortgage Instruments Research Study by : United States. Federal Home Loan Bank Board

Download or read book Alternative Mortgage Instruments Research Study written by United States. Federal Home Loan Bank Board and published by . This book was released on 1977 with total page 572 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Borrowing to Live

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815701721
Total Pages : 303 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Borrowing to Live by : Nicolas P. Retsinas

Download or read book Borrowing to Live written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2009-10-01 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: Americans are awash in debt, and the U.S. economy is in trouble. Credit undergirds daily life more than ever—it has become one of the defining aspects of American life, and the ramifications are becoming clearer by the day. The already considerable damage from a depressed housing market has been exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and government at all levels. Most low- or moderate-income people borrow, but that should not be construed as uniformly poor judgment or lack of disciplines—Americans are not borrowing merely to keep up with the Joneses, but too often simply to stay afloat. In Borrowing to Live, the Joint Center for Housing Studies of Harvard University brings together a group of experts drawn from the best of academia, research, and public services. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the worrisome current state of consumer and mortgage credit in the United States and help point the way out of the current struggles. Contributors: Michael S. Barr, Eric S. Belsky, Raphael W. Bostic, Shawn Cole, Amy Crews Cutts, Kathleen C. Engel, Ren S. Essene, Elaine Kempson, Patricia A. McCoy, William A. Merrill, Sendhil Mullainathan, Anthony Pennington-Cross, Elizabeth Renuart, Eldar Shafir, Edna R. Sawady, Jennifer Tescher, John Thompson, Peter Tufano, Susan M. Wachter

A History of Mortgage Banking in the West

Author : E. Michael Rosser
Publisher : University Press of Colorado
ISBN 13 : 160732623X
Total Pages : 407 pages
Book Rating : 4.6/5 (73 download)

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Book Synopsis A History of Mortgage Banking in the West by : E. Michael Rosser

Download or read book A History of Mortgage Banking in the West written by E. Michael Rosser and published by University Press of Colorado. This book was released on 2017-10-15 with total page 407 pages. Available in PDF, EPUB and Kindle. Book excerpt: Part economic history, part public history, A History of Mortgage Banking in the West is an insider’s account of how the mortgage banking sector worked over the last 150 years, including analysis of the causes of the 2007 mortgage crisis. Beginning with the land and railroad development acts that encouraged settlement in the west, E. Michael Rosser and Diane M. Sanders trace the laws, institutions, and individuals that contributed to the economic growth of the region. Using Colorado and the west as a case study for the nation’s economic and property development as a whole since the late nineteenth century, Rosser and Sanders explain how farm mortgages and agricultural lending steadily gave way to urban development and housing mortgages, all while the large mortgage and investment firms financed the development of some of the state’s most important water resources and railroad networks. Rosser uses his personal experience as a lifelong practitioner and educator of mortgage banking, along with a plethora of primary sources, academic archives, and industry publications, to analyze the causes of economic booms and busts as they relate to real estate and development. Rosser’s professional acumen combined with Sanders’s research experience makes A History of Mortgage Banking in the West a rich and nuanced account of the region’s most significant economic events. It will be an important work for scholars and practitioners in regional and financial history, mortgage market practice and development, government housing and mortgage policy, and financial stability and of great significance to anyone curious about the role of the federal government in national housing policy and the inherent risk in mortgages.

Moving Forward

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815705042
Total Pages : 274 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Moving Forward by : Nicolas P. Retsinas

Download or read book Moving Forward written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2011-01-01 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption. Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors—leaders in business, government, academia, and the nonprofit sector—discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, Charles River Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac