Do Homeowners Know Their House Values and Mortgage Terms? PDF Download
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Author: Brian Bucks
Publisher:
ISBN:
Category : Household surveys
Languages : en
Pages : 64
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Book Description
Author: Brian Bucks
Publisher:
ISBN:
Category : Household surveys
Languages : en
Pages : 64
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Book Description
Author: Federal Reserve Board
Publisher: CreateSpace
ISBN: 9781499175578
Category : Business & Economics
Languages : en
Pages : 38
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Book Description
The boom and bust of the housing market has been a prominent feature of the household financial landscape in recent years. The exact magnitude of the house price swings depends on whether you ask homeowners how much their houses are worth at two points in time or use the change in a transaction-based house price index (HPI). During the boom, owner-reported values rose much more rapidly than the HPI, and after the bust, owner-reported values fell slightly less than the HPI. Individual homeowner 'errors' are estimated to explain about one-third of the different in aggregate changes in the housing stock as measured by the Survey of Consumer Finances and CoreLogic national HPI. In a panel of homeowners surveyed during the housing downturn, owner-reported changes in value do not systematically diverge from local house price index changes.
Author: Alice Henriques Volz
Publisher:
ISBN:
Category :
Languages : en
Pages : 42
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Book Description
The boom and bust of the housing market has been a prominent feature of the household financial landscape in recent years. The exact magnitude of the house price swings depends on whether you ask homeowners how much their houses are worth at two points in time or use the change in a transaction-based house price index (HPI). During the boom, owner-reported values rose much more rapidly than the HPI, and after the bust, owner-reported values fell slightly less than the HPI. Individual homeowner "errors" are estimated to explain about one-third of the different in aggregate changes in the housing stock as measured by the Survey of Consumer Finances and CoreLogic national HPI. In a panel of homeowners surveyed during the housing downturn, owner-reported changes in value do not systematically diverge from local house price index changes.
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Transportation
Publisher:
ISBN:
Category : Adjustable rate mortgages
Languages : en
Pages : 388
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Book Description
Author:
Publisher: DIANE Publishing
ISBN: 9781422321706
Category :
Languages : en
Pages : 468
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Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 474
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Book Description
Author: David T. Rodda
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Do the houses of elderly homeowners appreciate at the same rate as the average house in their local market? As the population ages and retirees plan their financial future, homeowners need to project accurately the value of their single largest asset their house. The federal government is also concerned about the financial welfare of its elderly citizens and the solvency of the insurance for reverse mortgages. Using Health and Retirement Study data, we find that the houses of elderly (75 years old or older) homeowners appreciate 1 percentage point less per year in real terms than the houses of middle-aged (50 to 74 years old) homeowners. These estimates are smaller than the findings of Davidoff (2004), who used the American Housing Survey to show a 3-percentage-point slower house appreciation rate for homeowners aged 75 or older relative to that of all other homeowners. Using census microdata in nonlongitudinal form (1990 and 2000), we find 2.4-percentage-point slower real house appreciation for elderly homeowners. Houses of elderly homeowners thus appreciate in real terms at a 1- to 3-percentage-point discount relative to their local markets.
Author: Eric Tyson
Publisher: John Wiley & Sons
ISBN: 0470500662
Category : Business & Economics
Languages : en
Pages : 378
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Book Description
Now updated — America's #1 bestselling home-buying book! Want to buy a house, but concerned about the market? Have no fear — this trusted guide arms you with Eric Tyson and Ray Brown's time-tested advice and updated strategies for buying a home in current market conditions. You'll discover how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. New to this edition — new and expanded coverage to help homebuyers take advantage of low home prices, understand the subprime mortgage crisis, obtain a mortgage, and improve credit scores To buy or not to buy? — weigh the advantages of owning versus renting, get your finances in order, and know how much house you can safely afford Handle financing — understand your credit rating, navigate the different types of mortgages, and complete all paperwork Play the real estate game — find the right location and property, assemble an all-star real estate team, and make the most of the Internet's real estate resources Let's make a deal — negotiate with finesse, make successful offers, inspect and protect your new home, and cover all your bases in escrow "Invaluable information, especially for the first-time home buyer." —Fort Worth Star-Telegram "A reference you'll turn to time after time." —St. Petersburg Times Open the book and find: Reasons why home prices rise and fall Hands-on instruction for buying a home in up or down markets How to pay the price you want The best mortgage options A sample home-buying contract Pros and cons of comparable market analysis Tips for overcoming mortgage and appraisal problems How to cope with buyer's remorse The best real estate Web sites
Author: James Barth
Publisher: John Wiley & Sons
ISBN: 0470477245
Category : Business & Economics
Languages : en
Pages : 560
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Book Description
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.
Author: James H. Carr
Publisher: Routledge
ISBN: 1135889783
Category : Business & Economics
Languages : en
Pages : 417
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Book Description
Segregation: The Rising Costs for America documents how discriminatory practices in the housing markets through most of the past century, and that continue today, have produced extreme levels of residential segregation that result in significant disparities in access to good jobs, quality education, homeownership attainment and asset accumulation between minority and non-minority households. The book also demonstrates how problems facing minority communities are increasingly important to the nation’s long-term economic vitality and global competitiveness as a whole. Solutions to the challenges facing the nation in creating a more equitable society are not beyond our ability to design or implement, and it is in the interest of all Americans to support programs aimed at creating a more just society. The book is uniquely valuable to students in the social sciences and public policy, as well as to policy makers, and city planners.
