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Author :
Publisher : DIANE Publishing
ISBN 13 : 1437985335
Total Pages : 37 pages
Book Rating : 4.4/5 (379 download)
Download or read book Rise in Mortgage Defaults written by and published by DIANE Publishing. This book was released on with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Tom Duncan
Publisher : AuthorHouse
ISBN 13 : 1438938489
Total Pages : 114 pages
Book Rating : 4.4/5 (389 download)
Download or read book Mortgage Defaults written by Tom Duncan and published by AuthorHouse. This book was released on 2008 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: Would you like to start earning CASH with no out of pocket expense starting TODAY? Then this book is for you. My system can work for part time employees, college students, home makers that have little time available, and seasoned investors as well. By helping homeowners stay in there homes you can charge from $300.00 to $2500.00 for as little as one hour of your time. By putting contracts together from defaulting homeowners and then offering them to other investors you can earn $5000.00 to $10.000. per contract. I wrote this book as a guide of what not to do when you first start your investing career...based on the hype of the infomercials we all see and here and what I personally experienced when first entering the real estate investing market. I wanted to give to the new investor a chance to really inter the investing arena loaded with information and a guide to create cash to support there investment career and with a fresh new approach... Do Not take advantage of the defaulting homeowner! Try to approach every deal with a win/win attitude. It will give you a new wealth financially and a great feeling of really being able to help someone in need of your experience and expertise. The public will be calling and recommending your services because of your fair treatment of them instead of the cut them off at the knees approach that everyone else is teaching. This book will teach you the real estate terms that you need to know to be effective when talking to bankers, other investors, real estate agents and title companies. It will teach you how to start earning cash TODAY, with no out of pocket expense just your time. Enjoy this very candid journey and as always; Happy Investing....Tom Duncan
Author : Juan Carlos Hatchondo
Publisher : International Monetary Fund
ISBN 13 : 1463954778
Total Pages : 33 pages
Book Rating : 4.4/5 (639 download)
Download or read book Mortgage Defaults written by Juan Carlos Hatchondo and published by International Monetary Fund. This book was released on 2012-01-01 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper incorporates house price risk and mortgages into a standard incomplete market (SIM) model. The model is calibrated to match U.S. data and accounts for non-targeted features of the data such as the distribution of down payments, the life-cycle profile of home ownership, and the mortgage default rate. The average coefficients that measure the agents' ability to self-insure against income shocks are similar to those of a SIM model without housing but housing increases the values of these coefficients for younger agents. The response of consumption to house price shocks is minimal. The introduction of minimum down payments or income garnishment benefits a majority of the population.
Author : United States. Congress. House. Committee on Government Operations. Manpower and Housing Subcommittee
Publisher :
ISBN 13 :
Total Pages : 168 pages
Book Rating : 4.:/5 (327 download)
Download or read book Mortgage Delinquencies and Defaults written by United States. Congress. House. Committee on Government Operations. Manpower and Housing Subcommittee and published by . This book was released on 1983 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : John Krainer
Publisher : DIANE Publishing
ISBN 13 : 143793384X
Total Pages : 45 pages
Book Rating : 4.4/5 (379 download)
Download or read book Mortgage Default and Mortgage Valuation written by John Krainer and published by DIANE Publishing. This book was released on 2010-10 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors develop an equilibrium valuation model that incorporates optimal default to show how mortgage yields and lender recovery rates on defaulted mortgages depend on initial loan-to-value (LTV) ratios. The analysis treats both the frictionless case and the case in which borrowers and lenders incur deadweight costs upon default. The model is calibrated using data on California mortgages. Given reasonable parameter values, the model does a surprisingly good job fitting the risk premium in the data for high LTV mortgages. Thus, from an ex ante perspective, the authors do not find strong evidence of systematic underpricing of default risk in the run-up to the housing market crisis. Charts and tables.
Author : Juan Carlos Hatchondo
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (13 download)
Download or read book Mortgage Defaults written by Juan Carlos Hatchondo and published by . This book was released on 2015 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: We present a model in which households facing income and housing-price shocks use long-term mortgages to purchase houses. Interest rates on mortgages reflect the risk of default. The model accounts for observed patterns of housing consumption, mortgage borrowing, and defaults. We use the model as a laboratory to evaluate default-prevention policies. While recourse mortgages make the penalty for default harsher and thus may lower the default rate, they also lower equity and increase payments and thus may increase the default rate. Introducing loan-to-value (LTV) limits for new mortgages increases equity and thus lowers the default rate, with negligible negative effects on housing demand. The combination of recourse mortgages and LTV limits reduces the default rate while boosting housing demand. Recourse mortgages with LTV limits are also necessary to prevent large increases in the mortgage default rate after large declines in the aggregate price of housing.
Author : Gene Amromin
Publisher : DIANE Publishing
ISBN 13 : 1437919189
Total Pages : 37 pages
Book Rating : 4.4/5 (379 download)
Download or read book Comparing Patterns of Default Among Prime and Subprime Mortgages written by Gene Amromin and published by DIANE Publishing. This book was released on 2010-01 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article compares default patterns among prime and subprime mortgages, analyzes the factors correlated with default, and examines how forecasts of defaults are affected by alternative assumptions about trends in home prices. The authors find that extremely pessimistic forecasts of home price appreciation could have generated predictions of subprime defaults that were closer to the actual default experience for loans originated in 2006 and 2007. However, for prime loans one would have also had to anticipate that defaults would become much more sensitive to home prices. Tables and graphs.
Author : United States. Congress. House. Committee on Government Operations
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.:/5 (31 download)
Download or read book Defaults on FHA-insured Home Mortgages--Detroit, Mich written by United States. Congress. House. Committee on Government Operations and published by . This book was released on 1972 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Min Qi
Publisher :
ISBN 13 :
Total Pages : 48 pages
Book Rating : 4.:/5 (318 download)
Download or read book Loss Given Default of High Loan-to-value Residential Mortgages written by Min Qi and published by . This book was released on 2007 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper studies residential mortgage loss given default using a large set of historical loan-level default and recovery data of high loan-to-value mortgages from several private mortgage insurance companies. We show that loss given default can largely be explained by various characteristics associated with the loan, the underlying property, and the default, foreclosure, and settlement process. We find that the current loan-to-value ratio is the single most important determinant. More importantly, mortgage loss severity in distressed housing markets is significantly higher than under normal housing market conditions. Our empirical results have important policy implications for risk-based capital.
Author : Robert Frank Cotterman
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.4/5 (91 download)
Download or read book Assessing Problems of Default in Local Mortgage Markets written by Robert Frank Cotterman and published by . This book was released on 2001 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Addresses concerns raised about concentrations of Federal Housing Authority (FHA) defaults in neighborhoods & among lenders in a 1997 study by the Nat. Training Info. Center. The 1st phase of the report culminated with a March 1998 report which examined whether FHA defaults were concentrated among a group of high-default neighborhoods & high-default lenders. The 2nd phase of the study replicated a number of the initial analyses with the addition of credit history data. This report combines the 1st phase findings with the new 2nd phase findings. As expected, the updated analysis shows that high default neighborhoods & lenders have more borrowers with poor credit.
Author : Frank J. Fabozzi
Publisher : John Wiley & Sons
ISBN 13 : 9781883249458
Total Pages : 268 pages
Book Rating : 4.2/5 (494 download)
Download or read book Trends in Commercial Mortgage-Backed Securities written by Frank J. Fabozzi and published by John Wiley & Sons. This book was released on 1998-06-20 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage-backed securities are becoming an increasingly popular tool for constructing a solid portfolio in today's turbulent market. Frank Fabozzi leads more than a dozen experts in examining all the latest trends of this investment strategy, providing in-depth insight and explaining key areas of the commercial mortgage-backed securities landscape. Topics covered include measuring risks in the whole-loan commercial market, multi-family mortgage-backed securities, and B Pieces. Following on the heels of Advances in Mortgage-Backed Securities and The Handbook of Commercial Mortgage-Backed Securities, Trends in Commercial Mortgage-Backed Securities further demonstrates editor Fabozzi's authority in the subject.
Author : United States. General Accounting Office
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.:/5 ( download)
Download or read book Opportunities to Reduce Costs in Acquiring Properties Resulting from Defaults on Home Loans written by United States. General Accounting Office and published by . This book was released on 1972 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher : DIANE Publishing
ISBN 13 : 9781422309315
Total Pages : 72 pages
Book Rating : 4.3/5 (93 download)
Download or read book Alternative Mortgage Products: Impact on Defaults Remains Unclear, but Disclosure of Risks to Borrowers Could be Improved written by and published by DIANE Publishing. This book was released on 2006 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mr. Marco Gross
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.4/5 (2 download)
Download or read book What Drives Mortgage Default Risk in Europe and the U.S.? written by Mr. Marco Gross and published by International Monetary Fund. This book was released on 2022-04 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: We present an analysis of the sensitivity of household mortgage probabilities of default (PDs) and loss given default (LGDs) on unemployment rates, house price growth, interest rates, and other drivers. A structural micro-macro simulation model is used to that end. It is anchored in the balance sheets and income-expense flow data from about 95,000 households and 230,000 household members from 21 EU countries and the U.S. We present country-specific nonlinear regressions based on the structural model simulation-implied relation between PDs and LGDs and their drivers. These can be used for macro scenario-conditional forecasting, without requiring the conduct of the micro simulation. We also present a policy counterfactual analysis of the responsiveness of mortgage PDs, LGDs, and bank capitalization conditional on adverse scenarios related to the COVID-19 pandemic across all countries. The economics of debt moratoria and guarantees are discussed against the background of the model-based analysis.
Author : John Krainer
Publisher : DIANE Publishing
ISBN 13 : 1437931189
Total Pages : 34 pages
Book Rating : 4.4/5 (379 download)
Download or read book Mortgage Loan Securitization and Relative Loan Performance written by John Krainer and published by DIANE Publishing. This book was released on 2010-08 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Compares the ex ante observable risk characteristics and the default rates of securitized mortgage loans and mortgage loans retained by the original lender. Privately securitized loans tend to be riskier and to default at a faster rate than loans securitized with the GSEs and lender-retained loans. The differences in default rates across investor types are of secondary importance for explaining mortgage defaults compared to more conventional predictors, such as original loan-to-value ratios and the path for house prices. Privately securitized home mortgages have conditionally higher expected returns than retained loans, suggesting the presence of risk factors that are unobservable but nonetheless at least partially acknowledged by the market. Illus.
Author : Lee Anne Fennell
Publisher : Cambridge University Press
ISBN 13 : 1107164923
Total Pages : 357 pages
Book Rating : 4.1/5 (71 download)
Download or read book Evidence and Innovation in Housing Law and Policy written by Lee Anne Fennell and published by Cambridge University Press. This book was released on 2017-08-29 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: This interdisciplinary volume illuminates housing's impact on both wealth and community, and examines legal and policy responses to current challenges. Also available as Open Access.
Author : United States. Congress. House. Committee on Government Operations. Legal and Monetary Affairs Subcommittee
Publisher :
ISBN 13 :
Total Pages : 318 pages
Book Rating : 4.0/5 (18 download)
Download or read book Defaults on FHA-insured Mortgages (Detroit). written by United States. Congress. House. Committee on Government Operations. Legal and Monetary Affairs Subcommittee and published by . This book was released on 1972 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt:
