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Author : Claudia Elaine Wood
Publisher :
ISBN 13 :
Total Pages : 598 pages
Book Rating : 4.E/5 ( download)
Download or read book The Impact of Mortgage Foreclosure Laws on Secondary Market Loan Losses written by Claudia Elaine Wood and published by . This book was released on 1997 with total page 598 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Federal Home Loan Bank Board
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.3/5 (91 download)
Download or read book Members of the Federal Home Loan Bank System written by United States. Federal Home Loan Bank Board and published by . This book was released on 1984 with total page 88 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 : 790 pages
Book Rating : 4.:/5 (327 download)
Download or read book Secondary Market Operations of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 790 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mr.Jochen R. Andritzky
Publisher : International Monetary Fund
ISBN 13 : 1498322344
Total Pages : 37 pages
Book Rating : 4.4/5 (983 download)
Download or read book Resolving Residential Mortgage Distress written by Mr.Jochen R. Andritzky and published by International Monetary Fund. This book was released on 2014-12-17 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: In housing crises, high mortgage debt can feed a vicious circle of falling housing prices and declining consumption and incomes, leading to higher mortgage defaults and deeper recessions. In such situations, resolution policies may need to be adapted to help contain negative feedback loops while minimizing overall loan losses and moral hazard. Drawing on recent experiences from Iceland, Ireland, Spain, and the United States, this paper discusses how economic trade-offs affecting mortgage resolution differ in crises. Depending on country circumstances, the economic benefits of temporary forbearance and loan modifications for struggling households could outweigh their costs.
Author : Christopher Foote
Publisher : DIANE Publishing
ISBN 13 : 1437928773
Total Pages : 53 pages
Book Rating : 4.4/5 (379 download)
Download or read book Reducing Foreclosures written by Christopher Foote and published by DIANE Publishing. This book was released on 2009 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Takes a skeptical look at a leading argument about what is causing the foreclosure crisis and what should be done to stop it. The authors focus on two key decisions: the borrower's choice to default on a mortgage and the lender's subsequent choice whether to renegotiate or modify the loan. Unaffordable loans, defined as those with high mortgage payments relative to income at origination, are unlikely to be the main reason that borrowers decide to default. The efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date. Policies designed to reduce foreclosures should focus on ameliorating the effects of job loss rather than modifying loans to make them more affordable on a long-term basis. Illustrations.
Author : Jennifer Taub
Publisher : Yale University Press
ISBN 13 : 0300206941
Total Pages : 538 pages
Book Rating : 4.3/5 (2 download)
Download or read book Other People's Houses written by Jennifer Taub and published by Yale University Press. This book was released on 2014-05-27 with total page 538 pages. Available in PDF, EPUB and Kindle. Book excerpt: The clearest explanation yet of how the financial crisis of 2008 developed and why it could happen again In the wake of the financial meltdown in 2008, many claimed that it had been inevitable, that no one saw it coming, and that subprime borrowers were to blame. This accessible, thoroughly researched book is Jennifer Taub’s response to such unfounded claims. Drawing on wide-ranging experience as a corporate lawyer, investment firm counsel, and scholar of business law and financial market regulation, Taub chronicles how government officials helped bankers inflate the toxic-mortgage-backed housing bubble, then after the bubble burst ignored the plight of millions of homeowners suddenly facing foreclosure. Focusing new light on the similarities between the savings and loan debacle of the 1980s and the financial crisis in 2008, Taub reveals that in both cases the same reckless banks, operating under different names, received government bailouts, while the same lax regulators overlooked fraud and abuse. Furthermore, in 2013 the situation is essentially unchanged. The author asserts that the 2008 crisis was not just similar to the S&L scandal, it was a severe relapse of the same underlying disease. And despite modest regulatory reforms, the disease remains uncured: top banks remain too big to manage, too big to regulate, and too big to fail.
Author : Denis R. Caron
Publisher :
ISBN 13 : 9781628810356
Total Pages : 0 pages
Book Rating : 4.8/5 (13 download)
Download or read book Connecticut Foreclosures 2016 written by Denis R. Caron and published by . This book was released on 2015-11-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Adam B. Ashcraft
Publisher : DIANE Publishing
ISBN 13 : 1437925146
Total Pages : 76 pages
Book Rating : 4.4/5 (379 download)
Download or read book Understanding the Securitization of Subprime Mortgage Credit written by Adam B. Ashcraft and published by DIANE Publishing. This book was released on 2010-03 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an overview of the subprime mortgage securitization process and the seven key informational frictions that arise. Discusses the ways that market participants work to minimize these frictions and speculate on how this process broke down. Continues with a complete picture of the subprime borrower and the subprime loan, discussing both predatory borrowing and predatory lending. Presents the key structural features of a typical subprime securitization, documents how rating agencies assign credit ratings to mortgage-backed securities, and outlines how these agencies monitor the performance of mortgage pools over time. The authors draw upon the example of a mortgage pool securitized by New Century Financial during 2006. Illustrations.
Author : C. F. Sirmans
Publisher : McGraw-Hill Companies
ISBN 13 : 9780070576988
Total Pages : 0 pages
Book Rating : 4.5/5 (769 download)
Download or read book Real Estate Finance written by C. F. Sirmans and published by McGraw-Hill Companies. This book was released on 1989 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 546 pages
Book Rating : 4.3/5 (121 download)
Download or read book Federal Register written by and published by . This book was released on 2013 with total page 546 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Karen M. Pence
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.E/5 ( download)
Download or read book Foreclosing on Opportunity written by Karen M. Pence and published by . This book was released on 2003 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
Publisher :
ISBN 13 :
Total Pages : 192 pages
Book Rating : 4.0/5 ( download)
Download or read book Growing Mortgage Foreclosure Crisis written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law and published by . This book was released on 2009 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Allen N. Berger
Publisher : OUP Oxford
ISBN 13 : 0191002194
Total Pages : 1105 pages
Book Rating : 4.1/5 (91 download)
Download or read book The Oxford Handbook of Banking, Second Edition written by Allen N. Berger and published by OUP Oxford. This book was released on 2014-11-27 with total page 1105 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Oxford Handbook of Banking, Second Edition provides an overview and analysis of developments and research in banking written by leading researchers in the field. This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners, regulators, and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner, and policy-related material. The Handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their corporate governance and risk management practices. Part II deals with Bank Operations and Performance. A range of issues are covered including bank performance, financial innovation, and technological change. Aspects relating to small business, consumer, and mortgage lending are analysed together with securitization, shadow banking, and payment systems. Part III entitled Regulatory and Policy Perspectives discusses central banking, monetary policy transmission, market discipline, and prudential regulation and supervision. Part IV of the book covers various Macroeconomic Perspectives in Banking. This part includes a discussion of systemic risk and banking and sovereign crises, the role of the state in finance and development as well as how banks influence real economic activity. The final Part V examines International Differences in Banking Structures and Environments. This part of the Handbook examines banking systems in the United States, European Union, Japan, Africa, Transition countries, and the developing nations of Asia and Latin America.
Author :
Publisher :
ISBN 13 :
Total Pages : 1676 pages
Book Rating : 4.:/5 (51 download)
Download or read book Loyola of Los Angeles Law Review written by and published by . This book was released on 1993 with total page 1676 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Edmund L. Andrews
Publisher : W. W. Norton & Company
ISBN 13 : 0393071286
Total Pages : 236 pages
Book Rating : 4.3/5 (93 download)
Download or read book Busted: Life Inside the Great Mortgage Meltdown written by Edmund L. Andrews and published by W. W. Norton & Company. This book was released on 2009-05-22 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fiasco that sank millions of Americans, including one journalist, who thought he knew better. A veteran New York Times economics reporter, Ed Andrews was intimately aware of the dangers posed by easy mortgages from fast-buck lenders. Yet, at the promise of a second chance at love, he succumbed to the temptation of subprime lending and became part of the economic catastrophe he was covering. In surprisingly short order, he amassed a staggering amount of debt and reached the edge of bankruptcy. In Busted, Andrew bluntly recounts his misadventures in mortgages and goes one step further to describe the brokers, lenders, Wall Street players, and Washington policymakers who helped bring that money to his door. The result is a penetrating and often acerbic look at the binge and bust that nearly bankrupted the United States. Enabled by know-nothing complacency in Washington, Wall Street wizards used "collateralized debt obligations," "conduits," and other inscrutable financial "innovations" to put American home financing into hyperdrive. Millions of Americans abandoned the safety of thirty-year, fixed-rate mortgages and loaded up on debt. While regulators insisted that the markets knew best, Wall Street firms fragmented and repackaged unsound loans into securities that the rating agencies stamped with triple-A seals of approval. Andrews describes a remarkably democratic debacle that made fools out of people up and down the financial food chain. From a confessional meeting with Alan Greenspan to a trek through the McMansion bubble of the OC, he maps the arc of the Frankenstein loans that brought the American economy to the brink. With on-the-ground reporting from the frothiest quarters of the crisis, Andrews locates what is likely to be the high-water mark in America's long-term embrace of higher borrowing, higher risk-taking, and the fervent belief in the possibility of easy profits.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 802 pages
Book Rating : 4.:/5 (35 download)
Download or read book Hearings, Reports and Prints of the Senate Committee on Banking, Housing and Urban Affairs written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 802 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Kristopher S. Gerardi
Publisher : DIANE Publishing
ISBN 13 : 1437929850
Total Pages : 75 pages
Book Rating : 4.4/5 (379 download)
Download or read book Making Sense of the Subprime Crisis written by Kristopher S. Gerardi and published by DIANE Publishing. This book was released on 2011 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. Explores the question of whether market participants could have or should have anticipated the large increase in foreclosures that occurred in 2007 and 2008. Most of these foreclosures stemmed from loans originated in 2005 and 2006, leading many to suspect that lenders originated a large volume of extremely risky loans during this period. While loans originated in this period did carry extra risk factors, underwriting standards alone cannot explain the dramatic rise in foreclosures. Market participants should have understood that a significant fall in prices would cause a large increase in foreclosures. Analysts understood that a fall in prices would have disastrous consequences for the market but assigned a low probability to such an outcome. Charts and tables.
