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Author:
Publisher:
ISBN:
Category : Mortgage loans
Languages : en
Pages : 0
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Book Description
Author:
Publisher:
ISBN:
Category : Mortgage loans
Languages : en
Pages : 0
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Book Description
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Federal aid to housing
Languages : en
Pages : 216
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Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 176
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Book Description
Author: United States Congress. House. Banking and Currency Committee
Publisher:
ISBN:
Category :
Languages : en
Pages : 106
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Book Description
Author: Daniel Immergluck
Publisher: Cornell University Press
ISBN: 080145882X
Category : Social Science
Languages : en
Pages : 265
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Book Description
Over the last two years, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. The unfortunately timely Foreclosed explains the rise of high-risk lending and why these newer types of loans—and their associated regulatory infrastructure—failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of homeownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years—including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products—led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990s and early 2000s. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable homeownership as an option for a broad set of households and communities.
Author: Semer and Zimmerman (Firm)
Publisher:
ISBN:
Category :
Languages : en
Pages : 203
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Book Description
Author: Brent C. Smith
Publisher:
ISBN:
Category :
Languages : en
Pages : 42
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Book Description
This paper presents an analysis of the distribution of home purchase mortgages insured by the Federal Housing Administration (FHA) in the primary mortgage market. Utilizing a sample of loan originations aggregated at the zip code level, the distribution of the market served by FHA and conventional lenders is compared across the State of Florida. Results indicate that FHA market shares are concentrated in zip codes with higher economic risk characteristics and obtained by high risk borrowers over the observation with evidence of market share contraction over the observation period. Unexpectedly, the analysis also reveals that FHA loan distribution fails to exhibit a targeted racial bias toward minority neighborhoods. One potential conclusion is that FHA was forced to accept lower quality loans as competition from more nimble private lenders with lower access hurdles and more rapid processing expanded into markets traditionally served by FHA.
Author: United States. Federal Home Loan Bank Board. Office of Community Investment
Publisher:
ISBN:
Category : Mortgage loans
Languages : en
Pages : 8
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Book Description
Author: Paul Francis Wendt
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 52
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Book Description
Author: Edward M. Gramlich
Publisher: The Urban Insitute
ISBN: 9780877667391
Category : Business & Economics
Languages : en
Pages : 124
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Book Description
Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.
