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Subprime Mortgages Foreclosures And Urban Neighborhoods
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Book Synopsis Subprime Mortgages, Foreclosures, and Urban Neighborhoods by : Kristopher S. Gerardi
Download or read book Subprime Mortgages, Foreclosures, and Urban Neighborhoods written by Kristopher S. Gerardi and published by DIANE Publishing. This book was released on 2010-06 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analyzes the impact of the subprime mortgage crisis on urban neighborhoods in Mass. Explores the topic using a data set that matches race and income info. with property-level, transaction data. Much of the subprime lending in the state was concentrated in urban neighborhoods and that minority homeownerships created with subprime mortgages have proved exceptionally unstable in the face of rapid price declines. Subprime lending did not, as commonly believed, lead to a substantial increase in homeownership by minorities but instead generated turnover in properties owned by minority residents. The particularly dire foreclosure situation in urban neighborhoods actually makes it somewhat easier for policymakers to provide remedies. Illus.
Author :United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy Publisher : ISBN 13 : Total Pages :132 pages Book Rating :4.0/5 ( download)
Book Synopsis Neighborhoods, the Blameless Victims of the Subprime Mortgage Crisis by : United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy
Download or read book Neighborhoods, the Blameless Victims of the Subprime Mortgage Crisis written by United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy and published by . This book was released on 2009 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Losing Ground: Foreclosures in the Subprime Market & Their Cost to Homeowners by :
Download or read book Losing Ground: Foreclosures in the Subprime Market & Their Cost to Homeowners written by and published by DIANE Publishing. This book was released on 2006 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :164 pages Book Rating :4.3/5 (91 download)
Book Synopsis Strengthening Our Economy by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Strengthening Our Economy written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :88 pages Book Rating :4.:/5 (327 download)
Book Synopsis Turmoil in U.S. Credit Markets by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Turmoil in U.S. Credit Markets written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :96 pages Book Rating :4.0/5 ( download)
Book Synopsis Effects of the Subprime Mortgage Crisis in New York City and Efforts to Help Struggling Homeowners by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Effects of the Subprime Mortgage Crisis in New York City and Efforts to Help Struggling Homeowners written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2008 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :68 pages Book Rating :4.3/5 (91 download)
Book Synopsis Restoring the American Dream by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Restoring the American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Effects of the Foreclosure Crisis on Neighborhoods in California's Central Valley by : United States. Congress. House. Committee on Financial Services
Download or read book The Effects of the Foreclosure Crisis on Neighborhoods in California's Central Valley written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Race for Profit by : Keeanga-Yamahtta Taylor
Download or read book Race for Profit written by Keeanga-Yamahtta Taylor and published by UNC Press Books. This book was released on 2019-09-03 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Book Synopsis A Local Look at the National Foreclosure Crisis by : United States. Congress. Joint Economic Committee
Download or read book A Local Look at the National Foreclosure Crisis written by United States. Congress. Joint Economic Committee and published by . This book was released on 2007 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :268 pages Book Rating :4.:/5 (327 download)
Book Synopsis Preserving the American Dream by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Preserving the American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :88 pages Book Rating :4.3/5 (91 download)
Book Synopsis Turmoil in U.S. Credit Markets by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Turmoil in U.S. Credit Markets written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Subprime Mortgages by : Edward M. Gramlich
Download or read book Subprime Mortgages written by Edward M. Gramlich and published by The Urban Insitute. This book was released on 2007 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.
Download or read book Foreclosed written by Daniel Immergluck and published by Cornell University Press. This book was released on 2011-02-11 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last two years, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. The unfortunately timely Foreclosed explains the rise of high-risk lending and why these newer types of loans—and their associated regulatory infrastructure—failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of homeownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years—including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products—led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990s and early 2000s. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable homeownership as an option for a broad set of households and communities.
Book Synopsis Subprime Mortgage Lending in New York City by : Ebiere Okah
Download or read book Subprime Mortgage Lending in New York City written by Ebiere Okah and published by DIANE Publishing. This book was released on 2010-08 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Subprime mortgage lending expanded in New York City between 2004 and mid-2007, and delinquencies on these subprime loans have been rising sharply. The authors describe the main features of this lending and model the performance of these loans. These subprime loans are found to be clustered in neighborhoods where average borrower credit quality is low and, unlike prime mortgage loans, where African-Americans and Hispanics constitute relatively large shares of the population. The authors estimate a model of the likelihood that these loans will become seriously delinquent and find a significant role for credit quality of borrowers, debt-to-income and loan-to-value ratios at the time of loan origination, and estimates of the loss of home equity. Illus.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :544 pages Book Rating :4.0/5 ( download)
Book Synopsis Foreclosure Problems and Solutions by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book Foreclosure Problems and Solutions written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2008 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Effect of Predatory Lending and the Foreclosure Crisis on Twin Cities' Communities and Neighborhoods by : United States. Congress. House. Committee on Financial Services
Download or read book The Effect of Predatory Lending and the Foreclosure Crisis on Twin Cities' Communities and Neighborhoods written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2007 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
