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.

The Rise and Fall of the US Mortgage and Credit Markets

Author : James Barth
Publisher : John Wiley & Sons
ISBN 13 : 0470493887
Total Pages : 560 pages
Book Rating : 4.4/5 (74 download)

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Book Synopsis The Rise and Fall of the US Mortgage and Credit Markets by : James Barth

Download or read book The Rise and Fall of the US Mortgage and Credit Markets written by James Barth and published by John Wiley & Sons. This book was released on 2009-06-22 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: The mortgage meltdown: what went wrong and how do we fix it? Owning a home can bestow a sense of security and independence. But today, in a cruel twist, many Americans now regard their homes as a source of worry and dashed expectations. How did everything go haywire? And what can we do about it now? In The Rise and Fall of the U.S. Mortgage and Credit Markets, renowned finance expert James Barth offers a comprehensive examination of the mortgage meltdown. Together with a team of economists at the Milken Institute, he explores the shock waves that have rippled through the entire financial sector and the real economy. Deploying an incredibly detailed and extensive set of data, the book offers in-depth analysis of the mortgage meltdown and the resulting worldwide financial crisis. This authoritative volume explores what went wrong in every critical area, including securitization, loan origination practices, regulation and supervision, Fannie Mae and Freddie Mac, leverage and accounting practices, and of course, the rating agencies. The authors explain the steps the government has taken to address the crisis thus far, arguing that we have yet to address the larger issues. Offers a comprehensive examination of the mortgage market meltdown and its reverberations throughout the financial sector and the real economy Explores several important issues that policymakers must address in any future reshaping of financial market regulations Addresses how we can begin to move forward and prevent similar crises from shaking the foundations of our financial system The Rise and Fall of the U.S. Mortgage and Credit Markets analyzes the factors that should drive reform and explores the issues that policymakers must confront in any future reshaping of financial market regulations.

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

The Impact of the Mortgage Credit Directive in Europe

Author : Miriam Anderson
Publisher :
ISBN 13 : 9789089521989
Total Pages : 460 pages
Book Rating : 4.5/5 (219 download)

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Book Synopsis The Impact of the Mortgage Credit Directive in Europe by : Miriam Anderson

Download or read book The Impact of the Mortgage Credit Directive in Europe written by Miriam Anderson and published by . This book was released on 2017 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: How has European Private Law responded to the property and mortgage markets crisis? And in what way is this reaction likely to model domestic systems? The financial and economic crisis that marked the beginning of the century has had a devastating effect on the property and mortgage markets in many Member States of the European Union. Despite this, the European legislator took its time to respond. This book analyzes the impact of the Mortgage Credit Directive (Directive 2014/17) in twelve different jurisdictions: Belgium, England, France, Germany, Greece, Ireland, Italy, Malta, The Netherlands, Poland, Portugal, and Spain. The reports show how in some instances only certain products (such as foreign currency loans) or practices (irresponsible lending, homeownership promoting policies, the use of unfair terms) were factors that triggered the property crash; in other cases; the system completely failed to address an exceptional situation; and, finally, how in some instances prudent lending explained why the market was virtually not hit at all. This book aims to find out whether the two goals of Directive 2014/17 (financial sector stability and enhanced consumer protection) can be achieved in light of its provisions and of the transposition carried out by the different Member States, and whether the changes it introduces have a significant impact in the jurisdictions considered here. Some systems are already showing signs of yet another property bubble. There is room for hope: perhaps we have learned from the past, perhaps the Directive is a step forward, but more importantly this book shows that we can learn from each other. [Subject: European Law, Private Law, Property Law]

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:

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:

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 420 pages
Book Rating : 4.3/5 (91 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 1958 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Replace Your Mortgage

Author : Michael Lush
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781532880445
Total Pages : 0 pages
Book Rating : 4.8/5 (84 download)

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Book Synopsis Replace Your Mortgage by : Michael Lush

Download or read book Replace Your Mortgage written by Michael Lush and published by Createspace Independent Publishing Platform. This book was released on 2016-04-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you could pay off your mortgage in even a third of the time instead of waiting thirty years to pay it off, wouldn't you want to know how to do that? It's possible with the right home loan. While it may seem unbelievable, it comes down to math and a little education that banks prefer homeowners not know about. Michael Lush has spent fifteen years as a mortgage originator helping consumers get into their dream home. After speaking to a wealthy mentor of his, he then stumbled across how the wealthy finance their homes using lines of credit. Along with his co-author, David Dutton, Lush now teaches future homeowners, present homeowners as well as successful real estate investors how to use a simple home equity line of credit to pay off a home in 5-7 years. In this book you will learn: - The case against a mortgage from a 15 year mortgage veteran. - Why making extra payments on a mortgage vs a HELOC is still slower and also locks your money up until you sell your home. - 2 important reasons why this strategy isn't more well known. - How to pay off a home faster even if you have very little equity. - 5 powerful resources that will help you get started quickly to becoming mortgage free. - Pros and Cons of a HELOC - The deadly mistakes homeowners make when using a HELOC - How to build a real estate empire. - How to buy a vacation home and pay it off quickly (See chapter 9) Before you even think about signing on for a thirty year mortgage, you owe it to yourself to read this book as well as check out their popular Youtube channel.

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:

Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Publisher :
ISBN 13 :
Total Pages : 306 pages
Book Rating : 4.0/5 (22 download)

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

Download or read book 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 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reviews 1966 mortgage credit shortage and tight money supply and considers recommendations for strengthening Federal programs to ease credit and provide institutional support for lower mortgage rates.

Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 304 pages
Book Rating : 4.:/5 (6 download)

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

Download or read book Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1967 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reviews 1966 mortgage credit shortage and tight money supply and considers recommendations for strengthening Federal programs to ease credit and provide institutional support for lower mortgage rates.

Secondary Mortgage Market and Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 378 pages
Book Rating : 4.0/5 (1 download)

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Book Synopsis Secondary Mortgage Market and Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs

Download or read book Secondary Mortgage Market and Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1970 with total page 378 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 : 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:

Farm-mortgage Credit Facilities in the United States

Author : Donald Clare Horton
Publisher :
ISBN 13 :
Total Pages : 700 pages
Book Rating : 4.1/5 (547 download)

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Book Synopsis Farm-mortgage Credit Facilities in the United States by : Donald Clare Horton

Download or read book Farm-mortgage Credit Facilities in the United States written by Donald Clare Horton and published by . This book was released on 1942 with total page 700 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication is intended to serve a principal purpose of providing a compact summary and analysis of factual material on farm-mortgage credit heretofore available only in scattered sources. At the same time it is intended to orient the major current problems and public issues in the farm-mortgage credit field.

Study of Mortgage Credit

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 516 pages
Book Rating : 4.:/5 (41 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 516 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Moving Forward

Author : Nicolas Paul Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815705034
Total Pages : 274 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Moving Forward by : Nicolas Paul Retsinas

Download or read book Moving Forward written by Nicolas Paul Retsinas and published by Brookings Institution Press. This book was released on 2011 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial experts explore what caused the financial crisis and discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Original.

Subprime Mortgage Credit Derivatives

Author : Laurie S. Goodman
Publisher : John Wiley & Sons
ISBN 13 : 0470392746
Total Pages : 352 pages
Book Rating : 4.4/5 (73 download)

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Book Synopsis Subprime Mortgage Credit Derivatives by : Laurie S. Goodman

Download or read book Subprime Mortgage Credit Derivatives written by Laurie S. Goodman and published by John Wiley & Sons. This book was released on 2008-06-02 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage credit derivatives are a risky business, especially of late. Written by an expert author team of UBS practitioners-Laurie Goodman, Shumin Li, Douglas Lucas, and Thomas Zimmerman-along with Frank Fabozzi of Yale University, Subprime Mortgage Credit Derivatives covers state-of-the-art instruments and strategies for managing a portfolio of mortgage credits in today's volatile climate. Divided into four parts, this book addresses a variety of important topics, including mortgage credit (non-agency, first and second lien), mortgage securitizations (alternate structures and subprime triggers), credit default swaps on mortgage securities (ABX, cash synthetic relationships, CDO credit default swaps), and much more. In addition, the authors outline the origins of the subprime crisis, showing how during the 2004-2006 period, as housing became less affordable, origination standards were stretched-and when home price appreciation then turned to home price depreciation, defaults and delinquencies rose across the board. The recent growth in subprime lending, along with a number of other industry factors, has made the demand for timely knowledge and solutions greater than ever before, and this guide contains the information financial professionals need to succeed in this challenging field.