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The Market For Home Mortgage Credit
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Book Synopsis The Rise and Fall of the US Mortgage and Credit Markets by : James Barth
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 2009-06-22 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.
Book Synopsis The Market for Home Mortgage Credit by : Patric H. Hendershott
Download or read book The Market for Home Mortgage Credit written by Patric H. Hendershott and published by . This book was released on 1990 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Three major changes occurred during the 1980s in the market for home mortgage credit; the securitization of fixed-rate mortgages, the development of a national primary market for adjustable-rate mortgages, and the decimation of the saving and loan industry. These changes and their impacts on various financial industries and homebuyers are the subjects of this paper. I also briefly speculate about likely future changes in this market.
Author :United States. Federal Home Loan Bank Board. Office of Community Investment Publisher : ISBN 13 : Total Pages :8 pages Book Rating :4.:/5 (318 download)
Book Synopsis The Secondary Mortgage Market by : United States. Federal Home Loan Bank Board. Office of Community Investment
Download or read book The Secondary Mortgage Market written by United States. Federal Home Loan Bank Board. Office of Community Investment and published by . This book was released on 1981 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs Publisher : ISBN 13 : Total Pages :378 pages Book Rating :4.0/5 (1 download)
Book Synopsis Secondary Mortgage Market and Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs
Download or read book Secondary Mortgage Market and Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1970 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking and Currency Publisher : ISBN 13 : Total Pages :244 pages Book Rating :4.0/5 (13 download)
Book Synopsis Mortgage Market Problems by : United States. Congress. Senate. Committee on Banking and Currency
Download or read book Mortgage Market Problems written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1955 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Color of Credit by : Stephen L. Ross
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Author :United States. Government Accountability Office Publisher :DIANE Publishing ISBN 13 :9781422396544 Total Pages :52 pages Book Rating :4.3/5 (965 download)
Book Synopsis Federal Housing Administration: Decline in the Agency’s market Share Was Associated with Product and Process Developments of Other Mortgage market participants by : United States. Government Accountability Office
Download or read book Federal Housing Administration: Decline in the Agency’s market Share Was Associated with Product and Process Developments of Other Mortgage market participants written by United States. Government Accountability Office and published by DIANE Publishing. This book was released on 2007 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing Publisher : ISBN 13 : Total Pages :504 pages Book Rating :4.:/5 (31 download)
Book Synopsis A Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Download or read book A Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and published by . This book was released on 1967 with total page 504 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Decoding the New Mortgage Market by : David Reed
Download or read book Decoding the New Mortgage Market written by David Reed and published by AMACOM. This book was released on 2009-12-09 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: The housing market is in turmoil, but if there’s a silver lining, it’s the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naïve potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. Filled with money-saving advice, this practical guide will help prospective buyers understand: • How new lending and underwriting rules affect today’s homebuyer • Different loan types and lending institutions • Credit issues and other qualifying factors • Creative down-payment solutions • How to reduce closing costs and other fees Because lenders and buyers alike have gotten “burned” in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that Decoding the New Mortgage Market makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach.
Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing Publisher : ISBN 13 : Total Pages :306 pages Book Rating :4.0/5 (22 download)
Book Synopsis Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing
Download or read book Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and published by . This book was released on 1967 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reviews 1966 mortgage credit shortage and tight money supply and considers recommendations for strengthening Federal programs to ease credit and provide institutional support for lower mortgage rates.
Book Synopsis Introduction to Mortgages and Mortgage Backed Securities by : Richard K. Green
Download or read book Introduction to Mortgages and Mortgage Backed Securities written by Richard K. Green and published by Academic Press. This book was released on 2013-11-21 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. Written for buyers of real estate, not mortgage lenders Balances theory with increasingly complex practices of commercial and residential mortgage lending Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
Author :United States. Congress. Senate. Committee on Banking and Currency Publisher : ISBN 13 : Total Pages :874 pages Book Rating :4.:/5 (318 download)
Book Synopsis Study of Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency
Download or read book Study of Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency and published by . This book was released on 1959 with total page 874 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines problems and developments associated with homebuilding, the housing market, family income, and mortgage financing forecast during next decade.
Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs Publisher : ISBN 13 : Total Pages :304 pages Book Rating :4.:/5 (6 download)
Book Synopsis Mortgage Credit by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs
Download or read book Mortgage Credit written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1967 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reviews 1966 mortgage credit shortage and tight money supply and considers recommendations for strengthening Federal programs to ease credit and provide institutional support for lower mortgage rates.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development Publisher : ISBN 13 : Total Pages :292 pages Book Rating :4.0/5 ( download)
Book Synopsis Secondary Mortgage Market by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Download or read book Secondary Mortgage Market written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development and published by . This book was released on 1990 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :168 pages Book Rating :4.0/5 (13 download)
Book Synopsis Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market 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 2004 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortganomics - a Critical Examination of Mortgage Lending Practices, Pricing, and Predatory Abuses by : Terry L. Donovan
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.
