Annual Report of the Federal Housing Administration

Annual Report of the Federal Housing Administration PDF Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 504

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Annual Report of the Federal Housing Administration

Annual Report of the Federal Housing Administration PDF Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 504

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Book Description


Underwriting Manual

Underwriting Manual PDF Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 260

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Underwriting Manual

Underwriting Manual PDF Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 258

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The Color of Law: A Forgotten History of How Our Government Segregated America

The Color of Law: A Forgotten History of How Our Government Segregated America PDF Author: Richard Rothstein
Publisher: Liveright Publishing
ISBN: 1631492861
Category : Social Science
Languages : en
Pages : 243

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Book Description
New York Times Bestseller • Notable Book of the Year • Editors' Choice Selection One of Bill Gates’ “Amazing Books” of the Year One of Publishers Weekly’s 10 Best Books of the Year Longlisted for the National Book Award for Nonfiction An NPR Best Book of the Year Winner of the Hillman Prize for Nonfiction Gold Winner • California Book Award (Nonfiction) Finalist • Los Angeles Times Book Prize (History) Finalist • Brooklyn Public Library Literary Prize This “powerful and disturbing history” exposes how American governments deliberately imposed racial segregation on metropolitan areas nationwide (New York Times Book Review). Widely heralded as a “masterful” (Washington Post) and “essential” (Slate) history of the modern American metropolis, Richard Rothstein’s The Color of Law offers “the most forceful argument ever published on how federal, state, and local governments gave rise to and reinforced neighborhood segregation” (William Julius Wilson). Exploding the myth of de facto segregation arising from private prejudice or the unintended consequences of economic forces, Rothstein describes how the American government systematically imposed residential segregation: with undisguised racial zoning; public housing that purposefully segregated previously mixed communities; subsidies for builders to create whites-only suburbs; tax exemptions for institutions that enforced segregation; and support for violent resistance to African Americans in white neighborhoods. A groundbreaking, “virtually indispensable” study that has already transformed our understanding of twentieth-century urban history (Chicago Daily Observer), The Color of Law forces us to face the obligation to remedy our unconstitutional past.

HUD Scandals

HUD Scandals PDF Author: Irving Welfeld
Publisher: Routledge
ISBN: 1351514741
Category : Political Science
Languages : en
Pages : 191

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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.

Mortgagee Review Board

Mortgagee Review Board PDF Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Mortgage loans
Languages : en
Pages : 36

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Crabgrass Frontier

Crabgrass Frontier PDF Author: Kenneth T. Jackson
Publisher: Oxford University Press
ISBN: 0199840342
Category : History
Languages : en
Pages : 434

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Book Description
This first full-scale history of the development of the American suburb examines how "the good life" in America came to be equated with the a home of one's own surrounded by a grassy yard and located far from the urban workplace. Integrating social history with economic and architectural analysis, and taking into account such factors as the availability of cheap land, inexpensive building methods, and rapid transportation, Kenneth Jackson chronicles the phenomenal growth of the American suburb from the middle of the 19th century to the present day. He treats communities in every section of the U.S. and compares American residential patterns with those of Japan and Europe. In conclusion, Jackson offers a controversial prediction: that the future of residential deconcentration will be very different from its past in both the U.S. and Europe.

From Tenements to the Taylor Homes

From Tenements to the Taylor Homes PDF Author: John F. Bauman
Publisher: Penn State Press
ISBN: 9780271042039
Category : Social Science
Languages : en
Pages : 306

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Book Description
Authored by prominent scholars, the twelve essays in this volume use the historical perspective to explore American urban housing policy as it unfolded from the late nineteenth through the twentieth centuries. Focusing on the enduring quest of policy makers to restore urban community, the essays examine such topics as the war against the slums, planned suburbs for workers, the rise of government-aided and built housing during the Great Depression, the impact of post–World War II renewal policies, and the retreat from public housing in the Nixon, Carter, and Reagan years.

The Fateful History of Fannie Mae

The Fateful History of Fannie Mae PDF Author: James R. Hagerty
Publisher: Arcadia Publishing
ISBN: 1614236992
Category : Business & Economics
Languages : en
Pages : 241

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Book Description
“A lucid and meticulously reported book by one of the Wall Street Journal’s ace reporters” (George Anders, Forbes contributor and author of The Rare Find). In 1938, the administration of Franklin Delano Roosevelt created a small agency called Fannie Mae. Intended to make home loans more accessible, the agency was born of the Great Depression and a government desperate to revive housing construction. It was a minor detail of the New Deal, barely recorded by the newspapers of the day. Over the next seventy years, Fannie Mae evolved into one of the largest financial companies in the world, owned by private shareholders but with its nearly $1 trillion of debt effectively guaranteed by the government. Almost from the beginning, critics repeatedly warned that Fannie was an accident waiting to happen. Then, in 2008, the housing market collapsed. Amid a wave of foreclosures, the company’s capital began to run out, and the US Treasury seized control. From the New Deal to President Obama’s administration, James R. Hagerty explains this fascinating but little-understood saga. Based on the author’s reporting for the Wall Street Journal, personal research, and interviews with executives, regulators, and congressional leaders, The Fateful History of Fannie Mae, he explains the politics, economics, and human frailties behind seven decades of missed opportunities to prevent a financial disaster.

Race for Profit

Race for Profit PDF 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.