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Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 120
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Book Description
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 120
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Book Description
Author: Nancy Kwak
Publisher: University of Chicago Press
ISBN: 022659825X
Category : Business & Economics
Languages : en
Pages : 340
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Book Description
In Latin America, Scandinavian housing experts explained that "housing is too important a commodity to be subjected to the same general market conditions as other goods", but the Americans ridiculed such a stance. The Cold War was fought with bricks and mortar, not just small, hot wars in poor places and the threat of nuclear Armageddon. Privatisation began in Malaysia in the 1940s; in West Germany, Taiwan, Burma and South Korea in the 1950s; India in 1964; Jordan in 1965; Brazil in 1966; Guatemala and Nigeria in 1967; and the Philippines (again) in 1968. In the 1960s, the US granted loans to expand the private housing sectors in Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Nicaragua, Panama, Peru, Uruguay and Venezuela. They began housing projects in Rhodesia, Zambia and Mali. They moved into Senegal in 1972, Botswana in 1973, Tanzania in 1974 and Kenya in 1975 - all the while spreading the American dream.
Author: David Listokin
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 180
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Book Description
Author: National Partners in Homeownership (U.S.)
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 12
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Book Description
Author:
Publisher: Department of Treasury
ISBN:
Category : Business & Economics
Languages : en
Pages : 108
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Book Description
Author: Robert W. Kolb
Publisher: Oxford University Press
ISBN: 9780199792788
Category : Business & Economics
Languages : en
Pages : 424
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Book Description
In 2006 residential real estate prices peaked and started to fall, then threatened the world's financial institutions in 2007, and confronted the global economy with disaster in 2008. In the past few years, millions of people have lost very substantial portions of their wealth. And while the markets have rebounded considerably, they are still far from a full recovery. Now, professional economists, policy experts, public intellectuals, and the public at large are all struggling to understand the crisis that has engulfed us. In The Financial Crisis of Our Time, Robert W. Kolb provides an essential, comprehensive review of the context within which these events unfolded, arguing that while the crisis had no single cause, housing finance played a central role, and that to understand what happened, one must comprehend the mechanism by which the housing industry came into crisis. Kolb offers a history of the housing finance system as it developed throughout the twentieth century, and especially in the period from 1990 to 2006, showing how the originate-to-distribute model of mortgage financing presented market participants with a "clockwork of perverse incentives." In this system, various participants-simply by pursuing their narrow personal interests-participated in an elaborate mechanism that led to disaster. The book then gives a narrative of the crisis as it developed and analyzes all of the participants in the housing market, from the home buyers to investors in collaterialized debt obligations (CDOs). At each step, the book explains in a nontechnical manner the essential relationships among the market participants and zeroes in on the incentives facing each party. The book also includes an extensive glossary and a detailed, authoritative timeline of the subprime financial crisis. Offering a unique look at the participants and incentives within the housing finance industry and its role in the biggest financial catastrophe in recent history, Robert W. Kolb provides one of the most comprehensive and illuminating accounts of the events that will be studied for decades to come as the financial crisis of our time.
Author: Peter J. Wallison
Publisher: Encounter Books
ISBN: 159403866X
Category : Business & Economics
Languages : en
Pages : 331
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Book Description
The 2008 financial crisis—like the Great Depression—was a world-historical event. What caused it will be debated for years, if not generations. The conventional narrative is that the financial crisis was caused by Wall Street greed and insufficient regulation of the financial system. That narrative produced the Dodd-Frank Act, the most comprehensive financial-system regulation since the New Deal. There is evidence, however, that the Dodd-Frank Act has slowed the recovery from the recession. If insufficient regulation caused the financial crisis, then the Dodd-Frank Act will never be modified or repealed; proponents will argue that doing so will cause another crisis. A competing narrative about what caused the financial crisis has received little attention. This view, which is accepted by almost all Republicans in Congress and most conservatives, contends that the crisis was caused by government housing policies. This book extensively documents this view. For example, it shows that in June 2008, before the crisis, 58 percent of all US mortgages were subprime or other low-quality mortgages. Of these, 76 percent were on the books of government agencies such as Fannie Mae and Freddie Mac. When these mortgages defaulted in 2007 and 2008, they drove down housing prices and weakened banks and other mortgage holders, causing the crisis. After this book is published, no one will be able to claim that the financial crisis was caused by insufficient regulation, or defend Dodd-Frank, without coming to terms with the data this book contains.
Author: Kasey R. Keeler
Publisher: U of Minnesota Press
ISBN: 1452963460
Category : Social Science
Languages : en
Pages : 250
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Book Description
Understanding the processes and policies of urbanization and suburbanization in American Indian communities Nearly seven out of ten American Indians live in urban areas, yet studies of urban Indian experiences remain scant. Studies of suburban Natives are even more rare. Today’s suburban Natives, the fastest-growing American Indian demographic, highlight the tensions within federal policies working in tandem to move and house differing groups of people in very different residential locations. In American Indians and the American Dream, Kasey R. Keeler examines the long history of urbanization and suburbanization of Indian communities in Minnesota. At the intersection of federal Indian policy and federal housing policy, American Indians and the American Dream analyzes the dispossession of Indian land, property rights, and patterns of home ownership through programs and policies that sought to move communities away from their traditional homelands to reservations and, later, to urban and suburban areas. Keeler begins this analysis with the Homestead Act of 1862, then shifts to the Indian Reorganization Act in the early twentieth century, the creation of Little Earth in Minneapolis, and Indian homeownership during the housing bubble of the early 2000s. American Indians and the American Dream investigates the ways American Indians accessed homeownership, working with and against federal policy, underscoring American Indian peoples’ unequal and exclusionary access to the way of life known as the American dream. Cover alt text: Vintage photo of Native person bathing smiling child in the sink of a midcentury kitchen. Title in yellow.
Author: Joseph Fried
Publisher: Algora Publishing
ISBN: 0875869424
Category : Business & Economics
Languages : en
Pages : 343
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Book Description
Joseph N. Fried examines the factors leading to the financial crisis of 2007/8 and the mess it's put us in today. Although he analyzes the transgressions of Wall Street, the author also presents a wide variety of factors — including some that originated in the governmental sector and others that originated in the private sector. The book includes several rarely mentioned contributing factors such as the detrimental impact of automated underwriting systems that were heavily promoted by Fannie Mae and Freddie Mac. This is an opinionated book with an attitude. However, the author, a CPA and MBA, presents economic information in a conversational tone and meticulously backs up his views with references, charts, and quotes. Joseph N. Fried has published several books with Algora, explaining financial controversies and challenges for the general reader. Here, he highlights eye-popping aspects of the recent financial circus including: Drive-by house appraisals; the impact of hundreds of local housing programs funded by HUD; state governments, and housing advocacy groups; false delinquency statistics put forth by Fannie Mae and Freddie Mac; 'silent second' and 'piggyback loans'.
Author: Brian J. McCabe
Publisher: Oxford University Press
ISBN: 0190270489
Category : Social Science
Languages : en
Pages : 234
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Book Description
In the decade following the housing crisis, Americans remain enthusiastic about the prospect of owning a home. Homeownership is a symbol of status attainment in the United States, and for many Americans, buying a home is the most important financial investment they will ever make. We are deeply committed to an ideology of homeownership that presents homeownership as a tool for building stronger communities and crafting better citizens. However, in No Place Like Home, Brian McCabe argues that such beliefs about the public benefits of homeownership are deeply mischaracterized. As owning a home has emerged as the most important way to build wealth in the United States, it has also reshaped the way citizens become involved in their communities. Rather than engaging as public-spirited stewards of civic life, McCabe demonstrates that homeowners often engage in their communities as a way to protect their property values. This involvement contributes to the politics of exclusion, and prevents particular citizens from gaining access to high-opportunity neighborhoods, thereby reinforcing patterns of residential segregation. A thorough analysis of the politics of homeownership, No Place Like Home prompts readers to reconsider the power of homeownership to strengthen citizenship and build better communities.
