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Author : Yan Zhang
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (318 download)
Download or read book Fair Lending Analysis of Mortgage Pricing written by Yan Zhang and published by . This book was released on 2010 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jack Guttentag
Publisher : Mcgraw-hill
ISBN 13 : 9780071739580
Total Pages : 0 pages
Book Rating : 4.7/5 (395 download)
Download or read book The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition written by Jack Guttentag and published by Mcgraw-hill. This book was released on 2010-05-07 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling one-stop guide to mortgages—updated for the post–housing crisis market! The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations. Fully updated to address the new realities introduced by the housing crisis of 2007, The Mortgage Encyclopedia provides not just a complete description, but also in-depth discussion of the issues that may affect you, whether you're a homeowner (or homeowner-to-be), real estate agent, loan provider, or attorney. With this handy, comprehensive guide on hand, you have instant access to: Definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology, listed alphabetically Expert advice on the most pressing issues, such as whether to use a mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan The truth about common mortgage myths and misperceptions—and the pitfalls you need to avoid Helpful tables on affordability, interest cost of fixed-rate versus adjustable rate mortgages, and much more So the next time you ask yourself such questions as "Is this FHA loan right for me?" or "Can I negotiate this fee?" reach for this indispensable guide and get the fast, accurate information you need!
Author :
Publisher :
ISBN 13 :
Total Pages : 430 pages
Book Rating : 4.3/5 ( download)
Download or read book News written by and published by . This book was released on 1983-10 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 10 pages
Book Rating : 4.:/5 (3 download)
Download or read book Conventional Home Mortgage Rates in Early ... written by and published by . This book was released on 1988 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Office of Office of the Comptroller of the Currency
Publisher : CreateSpace
ISBN 13 : 9781505375756
Total Pages : 32 pages
Book Rating : 4.3/5 (757 download)
Download or read book Fair Lending Analysis of Mortgage Pricing written by Office of Office of the Comptroller of the Currency and published by CreateSpace. This book was released on 2015-01-01 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper focuses on potential interaction between the mortgage underwriting and pricing decisions for fair lending analysis of mortgage pricing. We argue that the loan approval or denial decision determines the loan origination population and therefore the underwriting policies might affect the fair lending assessment of the subsequent pricing decisions. The paper also finds that sample selection bias test and estimation are subject to omitted variables and recommends the study of banks' lending policies to better incorporate the decision-making process in fair lending analysis.
Author : Terry L. Donovan
Publisher : Smart Books LLC
ISBN 13 : 0615279473
Total Pages : 306 pages
Book Rating : 4.6/5 (152 download)
Download or read book Mortganomics - a Critical Examination of Mortgage Lending Practices, Pricing, and Predatory Abuses written by Terry L. Donovan and published by Smart Books LLC. This book was released on 2009-04-20 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortganomics teaches readers how to successfully negotiate the terms of a home mortgage with any bank, mortgage lender or broker. It provides detailed examples how lenders price their home loans and how they can subjectively increase a customer's interest rate to create larger commissions and loan costs. It includes samples of lender's rate sheets showing their wholesale costs for the individual interest rates, and explains how to make a lender guarantee that they will charge only their required minimum fees, and nothing extra that would increase force the borrower to take a higher interest rate. It gives readers a step-by-step verifiable method for paying off their mortgage years early, and an easy method to evaluate how competitive their interest rate and terms are in the marketplace. The book sugar coats nothing when it comes to exposing the ways lenders mark up their costs at a borrower's expense, and the ways that they hide important facts from their customers. This book provides dozens of easy to understand loan pricing calculations that readers can use to negotiate their loan terms and detect predatory lending practices.
Author : Eugene N. White
Publisher : University of Chicago Press
ISBN 13 : 022609328X
Total Pages : 408 pages
Book Rating : 4.2/5 (26 download)
Download or read book Housing and Mortgage Markets in Historical Perspective written by Eugene N. White and published by University of Chicago Press. This book was released on 2014-10-17 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: The central role of the housing market in the recent recession raised a series of questions about similar episodes throughout economic history. Were the underlying causes of housing and mortgage crises the same in earlier episodes? Has the onset and spread of crises changed over time? How have previous policy interventions either damaged or improved long-run market performance and stability? This volume begins to answer these questions, providing a much-needed context for understanding recent events by examining how historical housing and mortgage markets worked—and how they sometimes failed. Renowned economic historians Eugene N. White, Kenneth Snowden, and Price Fishback survey the foundational research on housing crises, comparing that of the 1930s to that of the early 2000s in order to authoritatively identify what contributed to each crisis. Later chapters explore notable historical experiences with mortgage securitization and the role that federal policy played in the surge in home ownership between 1940 and 1960. By providing a broad historical overview of housing and mortgage markets, the volume offers valuable new insights to inform future policy debates.
Author :
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.:/5 (3 download)
Download or read book Conventional home mortgage rates in early ... written by and published by . This book was released on 1987 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Patric H. Hendershott
Publisher :
ISBN 13 :
Total Pages : 18 pages
Book Rating : 4.:/5 (141 download)
Download or read book Mortgage Pricing written by Patric H. Hendershott and published by . This book was released on 1986 with total page 18 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 : David Peter Rubinstein
Publisher :
ISBN 13 :
Total Pages : 730 pages
Book Rating : 4.:/5 (33 download)
Download or read book Adjustable Rate Mortgage Pricing written by David Peter Rubinstein and published by . This book was released on 1990 with total page 730 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.:/5 (319 download)
Download or read book Secondary Market Prices and Yields and Interest Rates for Home Loans written by and published by . This book was released on 1993 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mortgage Rates Fall to Lowest Levels in Almost Four Years According to Federal Housing Finance Board written by and published by . This book was released on 1991 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : TAKEAKI KARIYA
Publisher : Springer Science & Business Media
ISBN 13 : 9781402072437
Total Pages : 296 pages
Book Rating : 4.0/5 (724 download)
Download or read book Asset Pricing written by TAKEAKI KARIYA and published by Springer Science & Business Media. This book was released on 2002-10-31 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: 1. Main Goals The theory of asset pricing has grown markedly more sophisticated in the last two decades, with the application of powerful mathematical tools such as probability theory, stochastic processes and numerical analysis. The main goal of this book is to provide a systematic exposition, with practical appli cations, of the no-arbitrage theory for asset pricing in financial engineering in the framework of a discrete time approach. The book should also serve well as a textbook on financial asset pricing. It should be accessible to a broad audi ence, in particular to practitioners in financial and related industries, as well as to students in MBA or graduate/advanced undergraduate programs in finance, financial engineering, financial econometrics, or financial information science. The no-arbitrage asset pricing theory is based on the simple and well ac cepted principle that financial asset prices are instantly adjusted at each mo ment in time in order not to allow an arbitrage opportunity. Here an arbitrage opportunity is an opportunity to have a portfolio of value aat an initial time lead to a positive terminal value with probability 1 (equivalently, at no risk), with money neither added nor subtracted from the portfolio in rebalancing dur ing the investment period. It is necessary for a portfolio of valueato include a short-sell position as well as a long-buy position of some assets.
Author : Alan M. White
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)
Download or read book Risk-Based Mortgage Pricing written by Alan M. White and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The policy debate surrounding predatory lending laws and the subprime mortgage market opposes two hypotheses. The first is that an efficient market is providing broader access to credit, offering mortgages with higher rates and fees to higher risk borrowers, and that prices relate directly to the added risk. The contrary hypothesis is that high interest rates and loan fees are charged in the subprime market well in excess of the risk-related costs. A number of readily observed facts about the subprime mortgage market support the opportunity pricing hypothesis. Existing research includes simple descriptive price information, papers inferring a correlation between high prices and high risk of credit loss from observed default rates, theoretical discussions to explain the observed pricing dispersion, and studies trying to determine whether laws that indirectly restrict mortgage prices have reduced the supply of mortgage credit. Information asymmetries, seller obfuscation and search costs contribute to the observed inefficiencies in this market, and suggest several policy responses.
Author : Internext Technologies Incorporated
Publisher : Mortgagefit.com
ISBN 13 : 0977444228
Total Pages : 23 pages
Book Rating : 4.9/5 (774 download)
Download or read book Mortgage Rates - Reflection for 2005 and Prediction for 2006 written by Internext Technologies Incorporated and published by Mortgagefit.com. This book was released on 2006 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Price Waterhouse (Firm)
Publisher :
ISBN 13 :
Total Pages : 120 pages
Book Rating : 4.:/5 (318 download)
Download or read book Fixed Rate Mortgages and Adjustable Rate Mortgages written by Price Waterhouse (Firm) and published by . This book was released on 1990 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
