The Market For Home Mortgage Credit

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The Rise and Fall of the US Mortgage and Credit Markets

Author : James Barth
Publisher : John Wiley & Sons
ISBN 13 : 0470493887
Total Pages : 560 pages
Book Rating : 4.4/5 (74 download)

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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.

The Market for Home Mortgage Credit

Author : Patric H. Hendershott
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.3/5 ( download)

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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.

The Secondary Mortgage 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)

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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:

Borrowing to Live

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815701721
Total Pages : 303 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Borrowing to Live by : Nicolas P. Retsinas

Download or read book Borrowing to Live written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2009-10-01 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication Americans are awash in debt, and the U.S. economy is in trouble. Credit undergirds daily life more than ever—it has become one of the defining aspects of American life, and the ramifications are becoming clearer by the day. The already considerable damage from a depressed housing market has been exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and government at all levels. Most low- or moderate-income people borrow, but that should not be construed as uniformly poor judgment or lack of disciplines—Americans are not borrowing merely to keep up with the Joneses, but too often simply to stay afloat. In Borrowing to Live, the Joint Center for Housing Studies of Harvard University brings together a group of experts drawn from the best of academia, research, and public services. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the worrisome current state of consumer and mortgage credit in the United States and help point the way out of the current struggles. Contributors: Michael S. Barr, Eric S. Belsky, Raphael W. Bostic, Shawn Cole, Amy Crews Cutts, Kathleen C. Engel, Ren S. Essene, Elaine Kempson, Patricia A. McCoy, William A. Merrill, Sendhil Mullainathan, Anthony Pennington-Cross, Elizabeth Renuart, Eldar Shafir, Edna R. Sawady, Jennifer Tescher, John Thompson, Peter Tufano, Susan M. Wachter

Secondary Mortgage Market and Mortgage Credit

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)

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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:

The American Mortgage System

Author : Susan M. Wachter
Publisher : University of Pennsylvania Press
ISBN 13 : 0812204301
Total Pages : 399 pages
Book Rating : 4.8/5 (122 download)

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Book Synopsis The American Mortgage System by : Susan M. Wachter

Download or read book The American Mortgage System written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2011-05-31 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures. Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending. Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.

Introduction to Mortgages and Mortgage Backed Securities

Author : Richard K. Green
Publisher : Academic Press
ISBN 13 : 0124045936
Total Pages : 249 pages
Book Rating : 4.1/5 (24 download)

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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

Mortgage Market Problems

Author : United States. Congress. Senate. Committee on Banking and Currency
Publisher :
ISBN 13 :
Total Pages : 244 pages
Book Rating : 4.0/5 (13 download)

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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:

Federal Housing Administration: Decline in the Agency’s market Share Was Associated with Product and Process Developments of Other Mortgage market participants

Download Federal Housing Administration: Decline in the Agency’s market Share Was Associated with Product and Process Developments of Other Mortgage market participants PDF Online Free

Author : United States. Government Accountability Office
Publisher : DIANE Publishing
ISBN 13 : 9781422396544
Total Pages : 52 pages
Book Rating : 4.3/5 (965 download)

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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:

Mortgage Credit

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)

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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.

The Color of Credit

Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)

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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.

A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967

Author : United States. Congress. Senate. Banking and Currency Committee
Publisher :
ISBN 13 :
Total Pages : 718 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis A Study of Mortgage Credit, Subcommittee on Housing and Urban Affairs .... 1967 by : United States. Congress. Senate. Banking and Currency Committee

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:

The San Francisco Bay Area Residential Mortgage Market

Author : Paul Francis Wendt
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis The San Francisco Bay Area Residential Mortgage Market by : Paul Francis Wendt

Download or read book The San Francisco Bay Area Residential Mortgage Market written by Paul Francis Wendt and published by . This book was released on 1952 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Study of Mortgage Credit

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)

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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:

Moving Forward

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815705042
Total Pages : 274 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Moving Forward by : Nicolas P. Retsinas

Download or read book Moving Forward written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2011-01-01 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption. Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors—leaders in business, government, academia, and the nonprofit sector—discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, Charles River Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac

Decoding the New Mortgage Market

Author : David Reed
Publisher : AMACOM
ISBN 13 : 081441401X
Total Pages : 257 pages
Book Rating : 4.8/5 (144 download)

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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 257 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.

Mortgage Credit

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)

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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.