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Author : Thomas Mackey Hall
Publisher :
ISBN 13 :
Total Pages : 326 pages
Book Rating : 4.:/5 (311 download)
Download or read book The Role of the Lending Industry in Residential Construction written by Thomas Mackey Hall and published by . This book was released on 1993 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Leo Grebler
Publisher :
ISBN 13 :
Total Pages : 92 pages
Book Rating : 4.:/5 (321 download)
Download or read book The Role of Federal Credit Aids in Residential Construction written by Leo Grebler and published by . This book was released on 1953 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: A young boy is inconsolable when the tiny circus disappears that he watched perform daily in the grass.
Author : Miles Lanier Colean
Publisher :
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4.:/5 (319 download)
Download or read book The Role of the Housebuilding Industry written by Miles Lanier Colean and published by . This book was released on 1942 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Brad Meyer
Publisher :
ISBN 13 : 9780990992813
Total Pages : pages
Book Rating : 4.9/5 (928 download)
Download or read book Introduction to Residential Construction Lending written by Brad Meyer and published by . This book was released on 2018-04 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: A construction loan is processed in very similar ways as with any other mortgage loan. Whether a new purchase or a refinance lending, all mortgage loans require an application, credit report, property appraisal, flood zone determination but there are some major differences when a residential new construction loan is processed. The improvements that were essential to establishing the value being used to finance the loan, don¿t yet exist. Consumers, builders and lenders must consider the construction contract, construction cost breakdown, plans and specifications, draw (progress) inspections, local permitting requirements, the certificate of occupancy, periodic funding to builders, retainage, how to prevent mechanic liens, and much more. Residential new construction loans are not complicated but do require the lender and consumer to consider structure decisions up front and meticulous tracking and monitoring throughout construction.
Author : Eugene N. White
Publisher : University of Chicago Press
ISBN 13 : 022609328X
Total Pages : 408 pages
Book Rating : 4.2/5 (26 download)
Download or read book Housing and Mortgage Markets in Historical Perspective written by Eugene N. White and published by University of Chicago Press. This book was released on 2014-10-17 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: The central role of the housing market in the recent recession raised a series of questions about similar episodes throughout economic history. Were the underlying causes of housing and mortgage crises the same in earlier episodes? Has the onset and spread of crises changed over time? How have previous policy interventions either damaged or improved long-run market performance and stability? This volume begins to answer these questions, providing a much-needed context for understanding recent events by examining how historical housing and mortgage markets worked—and how they sometimes failed. Renowned economic historians Eugene N. White, Kenneth Snowden, and Price Fishback survey the foundational research on housing crises, comparing that of the 1930s to that of the early 2000s in order to authoritatively identify what contributed to each crisis. Later chapters explore notable historical experiences with mortgage securitization and the role that federal policy played in the surge in home ownership between 1940 and 1960. By providing a broad historical overview of housing and mortgage markets, the volume offers valuable new insights to inform future policy debates.
Author : United States. Congress. Senate. Banking and Currency Committee
Publisher :
ISBN 13 :
Total Pages : 718 pages
Book Rating : 4.F/5 ( download)
Download or read book A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967 written by United States. Congress. Senate. Banking and Currency Committee and published by . This book was released on 1967 with total page 718 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : C. Tsuriel Somerville
Publisher :
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4.:/5 (129 download)
Download or read book Does the Lender Matter? Lender Type and Home Office Location and Real Estate Development Lending written by C. Tsuriel Somerville and published by . This book was released on 2002 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inter-regional expansion and merger and acquisition activity triggered by regulatory reforms are changing the structure of North America's financial industry. Increases in concentration and the belief that large and small financial institutions specialize in distinct segments of the lending market has raised concerns among some that these industry changes will have real effects on the availability and access to credit for distinct classes of borrowers, especially smaller firms. This paper examines this issue by looking at differences across lenders in the financing of residential construction by lender type and home office, local vs. out-of-province, location. The analysis has two components. The first is a descriptive data analysis for evidence that smaller, local lenders provide capital to more marginal and infra-marginal borrowers. The second is a test of whether lenders active in multiple jurisdictions allocate loan capital for real estate efficiently. The paper uses data on over 1,300 senior and junior construction loans in the Vancouver, BC Canada metropolitan area to evaluate these issues. We find that local lenders do seem to behave differently, charging lower spreads and extending credit to more marginal or less well capitalized developers. However, contrary to the claims of many Vancouver developers, lenders in Central Canada did not limit credit to British Columbia when their home real estate markets turned down in the late 1980's and early 1990's. Rather the opposite, the lending volume and market share in the Vancouver market of lenders based outside of British Columbia rose when the relative condition of their home real estate markets worsened.
Author : Harold Roy Dilbeck
Publisher :
ISBN 13 :
Total Pages : 528 pages
Book Rating : 4.:/5 ( download)
Download or read book The Structure of the Mortgage Market as a Determinant of the Stability of Residential Construction in Several Metropolitan Areas, 1953-1959 written by Harold Roy Dilbeck and published by . This book was released on 1961 with total page 528 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Housing and Home Finance Agency
Publisher :
ISBN 13 :
Total Pages : 148 pages
Book Rating : 4.:/5 (31 download)
Download or read book Construction Financing for Home Builders written by United States. Housing and Home Finance Agency and published by . This book was released on 1953 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher :
ISBN 13 :
Total Pages : 584 pages
Book Rating : 4.0/5 (13 download)
Download or read book Future of the Housing Industry and Federal Housing Policy 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 1982 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations
Publisher :
ISBN 13 :
Total Pages : 308 pages
Book Rating : 4.0/5 (18 download)
Download or read book The Unintended Effects of FIRREA on the Home Building Industry and Other Related Matters written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations and published by . This book was released on 1990 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Deborah Cohen
Publisher :
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4.3/5 (512 download)
Download or read book The Federal Home Loan Bank System written by Deborah Cohen and published by . This book was released on 1980 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Mark J Boleat
Publisher : Routledge
ISBN 13 : 1136272917
Total Pages : 236 pages
Book Rating : 4.1/5 (362 download)
Download or read book Building Society Industry (RLE Banking & Finance) written by Mark J Boleat and published by Routledge. This book was released on 2012-10-02 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book which has become the standard work on building societies, the author takes into account both economic and regulatory changes which took place in the late 1970s and early 1980s. The book is aimed primarily at students in the industry, and also those undertaking relevant undergraduate and postgraduate courses at university. In addition, this book will be invaluable to those working inside the building society industry and to those organizations which come into contact with societies.
Author : Eugene Allen Brady
Publisher :
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4.M/5 ( download)
Download or read book Regional Cycles of Residential Construction and the Interregional Mortgage Market, 1954-1959 written by Eugene Allen Brady and published by . This book was released on 1963 with total page 28 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)
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:
Author : Price V. Fishback
Publisher : University of Chicago Press
ISBN 13 : 022608258X
Total Pages : 190 pages
Book Rating : 4.2/5 (26 download)
Download or read book Well Worth Saving written by Price V. Fishback and published by University of Chicago Press. This book was released on 2013-10-04 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
