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The Foreclosure Crisis
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Book Synopsis Report to Congress on the Root Causes of the Foreclosure Crisis by : Christopher E. Herbert
Download or read book Report to Congress on the Root Causes of the Foreclosure Crisis written by Christopher E. Herbert and published by DIANE Publishing. This book was released on 2010-06 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analyzes data and trends in the residential housing market and reviews the academic lit. and industry press on the root causes of the current foreclosure crisis (FC). Provides a review of policy responses and recommended actions to mitigate the FC and help prevent similar crises from occurring in the future. Contents: (1) Trends in Delinquencies and Foreclosures: Regional Trends in Foreclosures; (2) Lit. Review: General Lit. on Causes of Foreclosures and Delinquencies; Lit. Assessing Causes of the Current FC; Factors Enabling Expanded Risky Lending; (3) Policy Responses to the FC: Efforts To Address Rising Foreclosures; Efforts To Reduce the Risk of High Rates of Mortgage Foreclosures in the Future; Mortgage Market Reform. Illus.
Download or read book Homewreckers written by Aaron Glantz and published by HarperCollins. This book was released on 2019-10-15 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: “[I] can’t recommend this joint enough. ... An illuminating and discomfiting read.” —Ta-Nehisi Coates "Essential reading." —New York Review of Books A shocking, heart-wrenching investigation into America’s housing crisis and the modern-day robber barons who are making a fortune off the backs of the disenfranchised working and middle class—among them, Donald Trump and his inner circle. Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses. In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.
Book Synopsis The Foreclosure of America by : Adam Michaelson
Download or read book The Foreclosure of America written by Adam Michaelson and published by Penguin. This book was released on 2009-01-06 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now in paperback-an inside look at Countrywide Home Loans and the mortgage crisis, from a former mortgage lender executive. In July 2004, Adam Michaelson attended a high-level meeting at Countrywide Financial headquarters about a new loan product that would allow borrowers to pay less than their minimum monthly payment. The "finance jocks" believed that the booming housing market would only get bigger, supporting homeowners in a cycle of borrowing against their houses and refinancing later. They were wrong. And when the bottom dropped out, Countrywide suffered the consequences-as did millions of Americans. With an insider's knowledge and thorough reporting on the impact on American families and the ripple effects on the economy, Michaelson examines the marketing of a mirage and the bad business decisions that destroyed a company, confronts the ethical questions that have arisen in the wake of the foreclosure crisis, and offers creative proposals to prevent such a meltdown from ever happening again.
Book Synopsis Foreclosed America by : Isaac Martin
Download or read book Foreclosed America written by Isaac Martin and published by Stanford University Press. This book was released on 2015-04-01 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: From 2007 to 2012, almost five percent of American adults—about ten million people—lost their homes because they could not make mortgage payments. The scale of this home mortgage crisis is unprecedented—and it's not over. Foreclosures still displace more American homeowners every year than at any time before the twenty-first century. The dispossession and forced displacement of American families affects their health, educational success, and access to jobs. It continues to block any real recovery in the hardest-hit communities. While we now know a lot about how this crisis affected the global economy, we still know very little about how it affected the people who lost their homes. Foreclosed America offers the first representative portrait of those people—who they are, how and where they live after losing their homes, and what they have to say about their finances, their neighborhoods, and American politics. It is a sobering picture of Americans down on their luck, and of a crisis that is testing American democracy.
Book Synopsis Addressing the Impact of the Foreclosure Crisis: Federal Reserve Mortgage Outreach and Research Efforts by :
Download or read book Addressing the Impact of the Foreclosure Crisis: Federal Reserve Mortgage Outreach and Research Efforts written by and published by DIANE Publishing. This book was released on 2010 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication highlights MORE-sponsored projects designed to communicate best practices and information about innovative programs to improve conditions in neighborhoods affected by high rates of foreclosure. It also reviews initiatives undertaken by the various Reserve Banks and the Board of Governors to respond to the foreclosure crisis.
Book Synopsis Causes of the Foreclosure Crisis by : Christopher L. Foote
Download or read book Causes of the Foreclosure Crisis written by Christopher L. Foote and published by . This book was released on 2012-04-05 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents 12 facts about the mortgage crisis. The authors argue that the facts refute the popular story that the crisis resulted from finance industry insiders deceiving uninformed mortgage borrowers and investors. Instead, they argue that borrowers and investors made decisions that were rational and logical given their ex post overly optimistic beliefs about house prices. Neither institutional features of the mortgage market nor financial innovations are any more likely to explain those distorted beliefs than they are to explain the Dutch tulip bubble 400 years ago. Economists should acknowledge the limits of their understanding of asset price bubbles and design policies accordingly. Charts and tables. This is a print on demand report.
Book Synopsis The Foreclosure Echo by : Linda E. Fisher
Download or read book The Foreclosure Echo written by Linda E. Fisher and published by Cambridge University Press. This book was released on 2019-07-18 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fisher and Fox demonstrate how ordinary people experienced the foreclosure crisis and how lenders and public institutions failed to protect them.
Author :United States. Congress. House. Committee on Oversight and Government Reform Publisher : ISBN 13 : Total Pages :108 pages Book Rating :4.:/5 (318 download)
Book Synopsis The Foreclosure Crisis by : United States. Congress. House. Committee on Oversight and Government Reform
Download or read book The Foreclosure Crisis written by United States. Congress. House. Committee on Oversight and Government Reform and published by . This book was released on 2011 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Dream Foreclosed by : Laura Gottesdiener
Download or read book A Dream Foreclosed written by Laura Gottesdiener and published by Zuccotti Park Press. This book was released on 2013 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: A moving exploration of homeownership, freedom, and the American Dream in light of the ongoing financial crisis and mass foreclosure.
Book Synopsis Decomposing the Foreclosure Crisis by : Kristopher Gerardi
Download or read book Decomposing the Foreclosure Crisis written by Kristopher Gerardi and published by DIANE Publishing. This book was released on 2010-06 with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt: Estimates a model of foreclosure using a data set that includes every residential mortgage, purchase-and-sale, and foreclosure transaction in Mass. from 1989 to 2008. Addresses the identification issues related to the estimation of the effects of house prices on residential foreclosures. Studies the dramatic increase in foreclosures that occurred in Mass. between 2005 and 2008 and concludes that the foreclosure crisis was primarily driven by the severe decline in housing prices that began in the latter part of 2005, not by a relaxation of underwriting standards. Relaxed underwriting standards severely aggravated the crisis by creating a class of homeowners who were particularly vulnerable to the decline in prices. Charts and tables.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :160 pages Book Rating :4.:/5 (327 download)
Book Synopsis The Impact of the Foreclosure Crisis on Public and Affordable Housing in the Twin Cities by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The Impact of the Foreclosure Crisis on Public and Affordable Housing in the Twin Cities written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2010 with total page 160 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 Housing and the Financial Crisis by : Edward L. Glaeser
Download or read book Housing and the Financial Crisis written by Edward L. Glaeser and published by University of Chicago Press. This book was released on 2013-08-19 with total page 443 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conventional wisdom held that housing prices couldn’t fall. But the spectacular boom and bust of the housing market during the first decade of the twenty-first century and millions of foreclosed homeowners have made it clear that housing is no different from any other asset in its ability to climb and crash. Housing and the Financial Crisis looks at what happened to prices and construction both during and after the housing boom in different parts of the American housing market, accounting for why certain areas experienced less volatility than others. It then examines the causes of the boom and bust, including the availability of credit, the perceived risk reduction due to the securitization of mortgages, and the increase in lending from foreign sources. Finally, it examines a range of policies that might address some of the sources of recent instability.
Book Synopsis Community Response to the Foreclosure Crisis by : Daniel Immergluck
Download or read book Community Response to the Foreclosure Crisis written by Daniel Immergluck and published by . This book was released on 2008 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Looming Foreclosure Crisis: How to Help Families Save Their Homes by : Richard J. Durbin
Download or read book Looming Foreclosure Crisis: How to Help Families Save Their Homes written by Richard J. Durbin and published by DIANE Publishing. This book was released on 2009-05 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: Witnesses: Thomas Bennett, Bankruptcy Judge, U.S. Bankruptcy Court for the N. Dist. of AL; Jacqueline Cox, Bankruptcy Judge, U.S. Bankruptcy Court for the N. Dist. of IL; Joseph Mason, Drexel Univ.; Nettie McGee, Chicago, IL; Mark Scarberry, Pepperdine School of Law, and Amer. Bankruptcy Inst.; Henry Sommer, Nat. Assoc. of Consumer Bankruptcy Attorneys; Mark Zandi, Moody¿s. Submissions for the Record: Amer. Bankers Assoc.; Financial Serv. Roundtable; Thomas Bennett, Bankruptcy Judge; Erwin Chemerinsky, Duke Univ.; Consumer, and civil rights advocate; Consumer Fed. of Amer.; Consumer Mortgage Coalition; Jacqueline Cox, Bankruptcy Judge; Leadership Conf. on Civil Rights. Illus.
Book Synopsis From Foreclosure to Fair Lending by : Chester Hartman
Download or read book From Foreclosure to Fair Lending written by Chester Hartman and published by NYU Press. This book was released on 2013-10-22 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Well-known fair housing and fair lending activists and organizers examine the implications of the new wave of fair housing activism generated by Occupy Wall Street protests and the many successes achieved in fair housing and fair lending over the years. The book reveals the limitations of advocacy efforts and the challenges that remain. Best directions for future action are brought to light by staff of fair housing organizations, fair housing attorneys, community and labor organizers, and scholars who have researched social justice organizing and advocacy movements. The book is written for general interest and academic audiences. Contributors address the foreclosure crisis, access to credit in a changing marketplace, and the immoral hazards of big banks. They examine opportunities in collective bargaining available to homeowners and how low-income and minority households were denied access to historically low home prices and interest rates. Authors question the effectiveness of litigation to uphold the Fair Housing Act’s promise of nondiscriminatory home loans and ask how the Consumer Financial Protection Bureau is assuring fair lending. They also look at where immigrants stand, housing as a human right, and methods for building a movement. Chester Hartman is an urban planner, academic, author of more than twenty books, and director of research for the Poverty & Race Research Action Council. Gregory Squires is a professor of sociology, public policy, and public administration at George Washington University and advisor to the John Marshall Law School Fair Housing Legal Support Center.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :240 pages Book Rating :4.3/5 (91 download)
Book Synopsis The Housing Crisis in Los Angeles and Responses to Preventing Foreclosures and Foreclosure Rescue Fraud by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The Housing Crisis in Los Angeles and Responses to Preventing Foreclosures and Foreclosure Rescue Fraud written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2009 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
