Mortgage Pricing

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The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition

Author : Jack Guttentag
Publisher : Mcgraw-hill
ISBN 13 : 9780071739580
Total Pages : 0 pages
Book Rating : 4.7/5 (395 download)

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Book Synopsis The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition by : Jack Guttentag

Download or read book The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition written by Jack Guttentag and published by Mcgraw-hill. This book was released on 2010-05-07 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling one-stop guide to mortgages—updated for the post–housing crisis market! The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations. Fully updated to address the new realities introduced by the housing crisis of 2007, The Mortgage Encyclopedia provides not just a complete description, but also in-depth discussion of the issues that may affect you, whether you're a homeowner (or homeowner-to-be), real estate agent, loan provider, or attorney. With this handy, comprehensive guide on hand, you have instant access to: Definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology, listed alphabetically Expert advice on the most pressing issues, such as whether to use a mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan The truth about common mortgage myths and misperceptions—and the pitfalls you need to avoid Helpful tables on affordability, interest cost of fixed-rate versus adjustable rate mortgages, and much more So the next time you ask yourself such questions as "Is this FHA loan right for me?" or "Can I negotiate this fee?" reach for this indispensable guide and get the fast, accurate information you need!

Fair Lending Analysis of Mortgage Pricing

Author : Yan Zhang
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Fair Lending Analysis of Mortgage Pricing by : Yan Zhang

Download or read book Fair Lending Analysis of Mortgage Pricing written by Yan Zhang and published by . This book was released on 2010 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortganomics - a Critical Examination of Mortgage Lending Practices, Pricing, and Predatory Abuses

Author : Terry L. Donovan
Publisher : Smart Books LLC
ISBN 13 : 0615279473
Total Pages : 306 pages
Book Rating : 4.6/5 (152 download)

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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.

Housing and Mortgage Markets in Historical Perspective

Author : Eugene N. White
Publisher : University of Chicago Press
ISBN 13 : 022609328X
Total Pages : 408 pages
Book Rating : 4.2/5 (26 download)

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Book Synopsis Housing and Mortgage Markets in Historical Perspective by : Eugene N. White

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.

Adjustable Rate Mortgage Pricing

Author : David Peter Rubinstein
Publisher :
ISBN 13 :
Total Pages : 730 pages
Book Rating : 4.:/5 (33 download)

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Book Synopsis Adjustable Rate Mortgage Pricing by : David Peter Rubinstein

Download or read book Adjustable Rate Mortgage Pricing written by David Peter Rubinstein and published by . This book was released on 1990 with total page 730 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortgage Curtailment and Its Roles in Mortgage Pricing

Author : Qiang Fu
Publisher :
ISBN 13 :
Total Pages : 260 pages
Book Rating : 4.:/5 (89 download)

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Book Synopsis Mortgage Curtailment and Its Roles in Mortgage Pricing by : Qiang Fu

Download or read book Mortgage Curtailment and Its Roles in Mortgage Pricing written by Qiang Fu and published by . This book was released on 1998 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Is There Discrimination in Mortgage Pricing?

Author : Harold Alonza Black
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Is There Discrimination in Mortgage Pricing? by : Harold Alonza Black

Download or read book Is There Discrimination in Mortgage Pricing? written by Harold Alonza Black and published by . This book was released on 2001 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Pricing-Out Phenomenon in the U.S. Housing Market

Author : Francesco Beraldi
Publisher : International Monetary Fund
ISBN 13 :
Total Pages : 47 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis The Pricing-Out Phenomenon in the U.S. Housing Market by : Francesco Beraldi

Download or read book The Pricing-Out Phenomenon in the U.S. Housing Market written by Francesco Beraldi and published by International Monetary Fund. This book was released on 2023-01-06 with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt: The COVID-19 pandemic further extended the multi-year housing boom in advanced economies and emerging markets alike against massive monetary easing during the pandemic. In this paper, we analyze the pricing-out phenomenon in the U.S. residential housing market due to higher house prices associated with monetary easing. We first set up a stylized general equilibrium model and show that although monetary easing decreases the mortgage payment burden, it would raise house prices, lower housing affordability for first-time homebuyers, and increase housing wealth inequality between first-time and repeat homebuyers. We then use the U.S. household-level data to quantify the effect of the house price change on housing affordability relative to that of the interest rate change. We find evidence of the pricing-out effect for all homebuyers; moreover, we find that the pricing-out effect is stronger for first-time homebuyers than for repeat homebuyers. The paper highlights the importance of accounting for general equilibrium effects and distributional implications of monetary policy while assessing housing affordability. It also calls for complementing monetary easing with well-targeted policy measures that can boost housing affordability, particularly for first-time and lower-income households. Such measures are also needed during aggressive monetary tightening, given that the fall in house prices may be insufficient or too slow to fully offset the immediate adverse impact of higher rates on housing affordability.

Mortgage Default and Mortgage Valuation

Author : John Krainer
Publisher : DIANE Publishing
ISBN 13 : 143793384X
Total Pages : 45 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Mortgage Default and Mortgage Valuation by : John Krainer

Download or read book Mortgage Default and Mortgage Valuation written by John Krainer and published by DIANE Publishing. This book was released on 2010-10 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors develop an equilibrium valuation model that incorporates optimal default to show how mortgage yields and lender recovery rates on defaulted mortgages depend on initial loan-to-value (LTV) ratios. The analysis treats both the frictionless case and the case in which borrowers and lenders incur deadweight costs upon default. The model is calibrated using data on California mortgages. Given reasonable parameter values, the model does a surprisingly good job fitting the risk premium in the data for high LTV mortgages. Thus, from an ex ante perspective, the authors do not find strong evidence of systematic underpricing of default risk in the run-up to the housing market crisis. Charts and tables.

Housing in the Economy

Author :
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Housing in the Economy by :

Download or read book Housing in the Economy written by and published by . This book was released on 1956 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: "With a statistical appendix excerpted from the ... annual report" (varies slightly).

FDIC and FSLIC Procedures for Handling Financial Institution Failures and Speculation

Author : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee
Publisher :
ISBN 13 :
Total Pages : 756 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis FDIC and FSLIC Procedures for Handling Financial Institution Failures and Speculation by : United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee

Download or read book FDIC and FSLIC Procedures for Handling Financial Institution Failures and Speculation written by United States. Congress. House. Committee on Government Operations. Commerce, Consumer, and Monetary Affairs Subcommittee and published by . This book was released on 1981 with total page 756 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Federal Register

Author :
Publisher :
ISBN 13 :
Total Pages : 1314 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Federal Register by :

Download or read book Federal Register written by and published by . This book was released on 1981-03-25 with total page 1314 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Variable Rate Mortgages

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 508 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Variable Rate Mortgages by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Variable Rate Mortgages written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1975 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Interest Rate, Term Structure, and Valuation Modeling

Author : Frank J. Fabozzi, CFA
Publisher : John Wiley & Sons
ISBN 13 : 9780471220947
Total Pages : 536 pages
Book Rating : 4.2/5 (29 download)

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Book Synopsis Interest Rate, Term Structure, and Valuation Modeling by : Frank J. Fabozzi, CFA

Download or read book Interest Rate, Term Structure, and Valuation Modeling written by Frank J. Fabozzi, CFA and published by John Wiley & Sons. This book was released on 2002-11-01 with total page 536 pages. Available in PDF, EPUB and Kindle. Book excerpt: This ultimate guide contains an excellent blend of theory and practice This comprehensive guide covers various aspects of model building for fixed income securities and derivatives. Filled with expert advice, valuable insights, and advanced modeling techniques, Interest Rate, Term Structure, and Valuation Modeling is a book that all institutional investors, portfolio managers, and risk professionals should have. John Wiley & Sons, Inc. is proud to be the publisher of the esteemed Frank J. Fabozzi Series. Comprising nearly 100 titles-which include numerous bestsellers—The Frank J. Fabozzi Series is a key resource for finance professionals and academics, strategists and students, and investors. The series is overseen by its eponymous editor, whose expert instruction and presentation of new ideas have been at the forefront of financial publishing for over twenty years. His successful career has provided him with the knowledge, insight, and advice that has led to this comprehensive series. Frank J. Fabozzi, PhD, CFA, CPA, is Editor of the Journal of Portfolio Management, which is read by thousands of institutional investors, as well as editor or author of over 100 books on finance for the professional and academic markets. Currently, Dr. Fabozzi is an adjunct Professor of Finance at Yale University's School of Management and on the board of directors of the Guardian Life family of funds and the Black Rock complex of funds.

Fair Lending Compliance

Author : Clark R. Abrahams
Publisher : John Wiley & Sons
ISBN 13 : 9780470241899
Total Pages : 356 pages
Book Rating : 4.2/5 (418 download)

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Book Synopsis Fair Lending Compliance by : Clark R. Abrahams

Download or read book Fair Lending Compliance written by Clark R. Abrahams and published by John Wiley & Sons. This book was released on 2008-03-14 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill

No Slack

Author : Michael S. Barr
Publisher : Brookings Institution Press
ISBN 13 : 0815722338
Total Pages : 308 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis No Slack by : Michael S. Barr

Download or read book No Slack written by Michael S. Barr and published by Brookings Institution Press. This book was released on 2012 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial crisis exposed unsavory results of interactions between low- and moderate-income households and alternative and mainstream financial institutions: overleveraged incomes, high cost for financial services, and lack of access to useful financial products that can cushion against economic instability. It revealed a financial services system that is not well designed to serve these households, leaving them without financial slack. Pivotal analysis, focusing on metropolitan Detroit's low- and moderate-income neighborhoods, examines household decision making processes, behaviors, and attitudes toward a full range of financial transactions during the subprime lending boom. The author advocates helping families seek financial stability in three primary ways: enhancing individuals' financial capability, using technology to promote access to financial products and services that meet their needs, and establishing strong protections for consumers.

The Banking Sector In Hong Kong

Author : H. Genberg
Publisher : Springer
ISBN 13 : 0230227376
Total Pages : 302 pages
Book Rating : 4.2/5 (32 download)

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Book Synopsis The Banking Sector In Hong Kong by : H. Genberg

Download or read book The Banking Sector In Hong Kong written by H. Genberg and published by Springer. This book was released on 2008-08-14 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book extensively discusses the structure and stability of the Hong Kong banking sector, using economic theory and advanced empirical econometric techniques. It is important for readers who are interested in studying the banking industry in general, and the Hong Kong banking sector in particular.