HUD's Government-insured Mortgages PDF Download
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Author: United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations
Publisher:
ISBN:
Category : Electronic government information
Languages : en
Pages : 326
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Book Description
Author: United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations
Publisher:
ISBN:
Category : Electronic government information
Languages : en
Pages : 326
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Book Description
Author: Brian Greul
Publisher:
ISBN: 9781954285330
Category :
Languages : en
Pages : 1036
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Book Description
The Doing Business with FHA section in this FHA Single Family Housing Policy Handbook (SF Handbook) covers Federal Housing Administration (FHA) approval and eligibility requirements for both Title I lenders and Title II Mortgagees, as well as other FHA program participants. The term "Mortgagee" is used throughout for all types of FHA approval (both Title II Mortgagees and Title I lenders) and the term "Mortgage" is used for all products (both Title II Mortgages and Title I loans), unless otherwise specified.
Author: Irving H. Welfeld
Publisher: Transaction Publishers
ISBN: 9781412825603
Category : Political Science
Languages : en
Pages : 212
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Book Description
Mention the Department of Housing and Urban Development and the word "scandal "comes to mind. When it comes to recent history, the association is quite accurate; in 1989-90 congressional panels were investigating "abuses, favoritism, and mismanagement" at HUD; in 1954 HUD's predecessor, the Federal Housing Administration, was targeted by the FBI for involvement in fraudulent home-improvement schemes; in the 1970s HUD was scrutinized for lax lending standards, blatant overappraisals, and shoddy housing. In this ground-breaking volume, Irving Welfeld, a senior analyst with HUD, describes and explains these sensational episodes as well as a series of hidden blunders that have cost taxpayers billions of dollars. In this thorough, firsthand account, Welfeld provides not only soundly documented history, but analyses of events that arrive at different interpretations than Congress reached in its investigations. Throughout, his readings ask hard and probing questions: Where were the overseers--the media, Congress, the General Accounting Office, the Office of Management and Budget? To what extent is poor management the root cause of HUD's failures? Will tighter regulation help in keeping out corruption? After his comprehensive survey of the scene, Welfeld goes the final step and offers solutions: a set of programs that would minimize secrecy on the part of federal administrators and the temptation to abuse the public trust. Most importantly, the programs outlined here will enable HUD to more effectively fulfill its mission to see that there is decent affordable housing for all Americans. "HUD Scandals "will be of interest to scholars of public administration, political scientists, and analysts of housing issues.
Author: Viral V. Acharya
Publisher: Princeton University Press
ISBN: 1400838096
Category : Business & Economics
Languages : en
Pages : 233
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Book Description
Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Author: Keeanga-Yamahtta Taylor
Publisher: UNC Press Books
ISBN: 1469653672
Category : History
Languages : en
Pages : 364
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Book Description
LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining’s end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation’s first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 260
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Book Description
Author: Neil deMause
Publisher: U of Nebraska Press
ISBN: 0803285485
Category : Architecture
Languages : en
Pages : 479
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Book Description
Author: Shelley Giordano MA
Publisher:
ISBN: 9781781333600
Category : Business & Economics
Languages : en
Pages : 258
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Book Description
If you are a financial professional working with retirees or if you are a retiree overseeing your own retirement spending, this book is for you. What's The Deal With Reverse Mortgages? explains in simple language how to safely and effectively include the home in retirement planning.
Author: Mary Meghan Ryan
Publisher: Rowman & Littlefield
ISBN:
Category : Computers
Languages : en
Pages : 609
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Book Description
Discover the depth of government information and services available online. The United States Government Internet Directory serves as a guide to the changing landscape of government information online. The Directory is an indispensable guidebook for anyone who is looking for official U.S. government resources on the Web. The U.S. government's online information is massive and can be difficult to locate. Many government sites are part of the "Deep Web" with content that does not surface or surface easily even with the most popular search engines. It is more important than ever to have a source that serves as an authoritative guide to the federal Web. The United States Government Internet Directory navigates the maze of data and locates the materials that you seek. The subject-based approach of this book allows you to browse for relevant sites in your field of interest rather than sift through hundreds of search results or try to guess which federal agency to consult. Researchers, business people, teachers, students, and citizens in the United States and around the world can navigate the labyrinthine federal Web with The United States Government Internet Directory. The Directory: contains more than 1,800 Web site records, organized into 21 subject themed chapters includes topics on a wide-range of subjects including employment, energy, defense and intelligence, culture and recreation, and much more provides descriptions and URLs for each site describes sites to help you choose the proper resource notes the useful or unique aspects of the site lists some of the major government publications hosted on the site provides a roster of congressional members with member's Web sites lists House and Senate Committees with committee URLs contains useful, up-to-date organizational charts for the major federal government agencies includes a one-page Quick Guide to the major federal agencies and the leading online library, data source, and finding aid sites identifies the changes in online government information that have occurred place in the past year
Author: CQ Press
Publisher: CQ Press
ISBN: 1071853465
Category : Reference
Languages : en
Pages : 3075
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Book Description
The Washington Information Directory (WID) is a "directory," with a unique profile - it is topically organized, and within the taxonomic structure the relevant organizations are listed not only with contact information but with a brief paragraph describing what the organization (whether government or non-governmental) does related to that topic. It focuses on Washington - in order to be listed, an organization must have an office in the Washington metropolitan area. These descriptions are not boilerplate advertising material from the organizations; rather, they are hand-crafted by a talented freelance research team. In addition, WID pulls together 55 organization charts for federal agencies, congressional resources related to each chapter topic, hotline and contact information for various specific areas of interest, and an extensive list of active congressional caucuses and contact details. WID has two appendices, one with thorough information on congresspersons and committees, and the second with governors and embassies.
