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Author :
Publisher :
ISBN 13 :
Total Pages : 358 pages
Book Rating : 4.:/5 (861 download)
Download or read book The Consolidation of the U.S. Mortgage Industry written by and published by . This book was released on 1986 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (327 download)
Download or read book FDIC Quarterly written by and published by . This book was released on 2009 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Charles W. Calomiris
Publisher : Aei Press
ISBN 13 : 9780844771250
Total Pages : 75 pages
Book Rating : 4.7/5 (712 download)
Download or read book High Loan-to-value Mortgage Lending written by Charles W. Calomiris and published by Aei Press. This book was released on 1999-01-01 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors weigh the functions of this industry, its practices and policies, and the changing nature of the consumer finance marketplace to determine whether limiting such lending would serve the public interest.
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 272 pages
Book Rating : 4.3/5 (91 download)
Download or read book Mortgage Lending Reform 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 2009 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Susan M. Wachter
Publisher : University of Pennsylvania Press
ISBN 13 : 0812204301
Total Pages : 399 pages
Book Rating : 4.8/5 (122 download)
Download or read book The American Mortgage System written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2011-05-31 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures. Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending. Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.
Author : Guy Stuart
Publisher : Cornell University Press
ISBN 13 : 1501729969
Total Pages : 264 pages
Book Rating : 4.5/5 (17 download)
Download or read book Discriminating Risk written by Guy Stuart and published by Cornell University Press. This book was released on 2018-07-05 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions.
Author : E. Michael Rosser
Publisher : University Press of Colorado
ISBN 13 : 160732623X
Total Pages : 408 pages
Book Rating : 4.6/5 (73 download)
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 408 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.
Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
Publisher :
ISBN 13 :
Total Pages : 214 pages
Book Rating : 4.:/5 (327 download)
Download or read book The Role of Mortgage Brokers in the Mortgage Finance Market written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 1998 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Roberto G. Quercia
Publisher : Rowman & Littlefield
ISBN 13 : 0815721730
Total Pages : 178 pages
Book Rating : 4.8/5 (157 download)
Download or read book Regaining the Dream written by Roberto G. Quercia and published by Rowman & Littlefield. This book was released on 2011-07-27 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans have lost their homes since the start of the recession initiated by the financial crisis of 2008–09. But is the dream of homeownership for America's working families obsolete, an aspiration from a bygone era? Regaining the Dream rejects that notion and proposes a way to strengthen the financial system while simultaneously promoting an equitable and viable American homeownership policy. For the first time, the authors of Regaining the Dream offer data-driven evidence on how the mortgage industry can serve working families in the United States, pointing the way to a pragmatic housing policy that promotes the opportunity for sustainable homeownership. Taking the reader step by step through the lending crisis and what caused it, the authors include useful and clear definitions of terms heard almost daily in news coverage. And they give a fair account of the history behind Fannie Mae and Freddie Mac and the new Dodd-Frank law, explaining what remains to be done to uphold one of the defining characteristics of the American dream.
Author : Judith Zylla-Woellner
Publisher : GRIN Verlag
ISBN 13 : 3656353433
Total Pages : 16 pages
Book Rating : 4.6/5 (563 download)
Download or read book The US Mortgage Crisis at the beginning of this millennium written by Judith Zylla-Woellner and published by GRIN Verlag. This book was released on 2013-01-16 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2012 in the subject Business economics - Investment and Finance, grade: 2,5, Berlin School of Economics and Law (IMB), course: MBA Seminar, language: English, abstract: The United States mortgage crisis was one of the primary indicators of the financial crisis at the beginning of this millennium, characterized by an increase in subprime mortgage account receivables and foreclosures, and follow-on by a decline of securities. Due to this crisis many investment banks went bankrupt for instance Lehmann Brothers. The proportion of lower-quality subprime mortgages originated rose from the originally 8% to approximately 20% from 2004-2006, with much higher ratios in some parts of the United States. These subprime mortgages were well-liked in the United States and were one of the only options for many immigrants to own their dream house in the United States. A high percentage of the mortgages, over 90% in 2006, were adjustable-rate mortgages. This was part of a broader trend of lowered lending standards and higher-risk mortgage products.
Author : Martin Neil Baily
Publisher : Brookings Institution Press
ISBN 13 : 0815722087
Total Pages : 225 pages
Book Rating : 4.8/5 (157 download)
Download or read book The Future of Housing Finance written by Martin Neil Baily and published by Brookings Institution Press. This book was released on 2011 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Evaluates the options open to policymakers as they reassess the federal government's role in the U.S. residential mortgage market and consider a new system that reduces risk in mortgage lending, maintains a limited government role, and gradually removes the government-sponsored enterprises (Fannie Mae and Freddie Mac) from the mortgage market"--Provided by publisher.
Author : Dale Vermillion
Publisher : Moody Publishers
ISBN 13 : 1575673096
Total Pages : 240 pages
Book Rating : 4.5/5 (756 download)
Download or read book Navigating the Mortgage Maze written by Dale Vermillion and published by Moody Publishers. This book was released on 2009-01-01 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buying a home is the largest, most nerve-wracking purchase most of us ever make. It doesn’t help when choosing a mortgage means entering a maze of unfamiliar words and confusing options that can leave us intimated, frustrated, and afraid we’ve been taken advantage of. That’s why Navigating the Mortgage Maze is a crucial book for consumers—especially if they’re reeling from the current mortgage melt-down and need straightforward, easy-to-understand help from a trusted source. With 25 years of experience in the mortgage industry and a keen understanding of the average reader’s needs in getting a good mortgage, Dale Vermillion is perfectly positioned to be America’s ‘go-to’ expert. In addition to instantaneous help through www.dalevermillion.com and an easy-to-use online mortgage calculator, the book features a clear and compelling presentation of the gospel. It’s one Dale has shared with tens of thousands of mortgage professionals throughout North America—and it will deeply impress the reader that the greatest purchase in history isn’t a good mortgage, but what Jesus Christ purchased for us on the Cross.
Author : Viral V. Acharya
Publisher : Princeton University Press
ISBN 13 : 1400838096
Total Pages : 233 pages
Book Rating : 4.4/5 (8 download)
Download or read book Guaranteed to Fail written by Viral V. Acharya and published by Princeton University Press. This book was released on 2011-03-14 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 304 pages
Book Rating : 4.3/5 (91 download)
Download or read book Mortgage Market Turmoil 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 304 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : James Barth
Publisher : John Wiley & Sons
ISBN 13 : 0470477245
Total Pages : 560 pages
Book Rating : 4.4/5 (74 download)
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 2009-05-04 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.
Author : Jeffrey N. Tuchman
Publisher :
ISBN 13 :
Total Pages : 122 pages
Book Rating : 4.F/5 ( download)
Download or read book Innovation in the US Mortgage Market to 1990 written by Jeffrey N. Tuchman and published by . This book was released on 1986 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity
Publisher :
ISBN 13 :
Total Pages : 272 pages
Book Rating : 4.:/5 (318 download)
Download or read book Mortgage Origination written by United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity and published by . This book was released on 2012 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:
