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Author: United States. Congress. House. Committee on Government Operations. Legal and Monetary Affairs Subcommittee
Publisher:
ISBN:
Category : Mortgage guarantee insurance
Languages : en
Pages : 124
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Book Description
Author: United States. Congress. House. Committee on Government Operations. Legal and Monetary Affairs Subcommittee
Publisher:
ISBN:
Category : Mortgage guarantee insurance
Languages : en
Pages : 124
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Book Description
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Mortgage loans
Languages : en
Pages : 36
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Book Description
Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 504
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Book Description
Author: Price V. Fishback
Publisher: University of Chicago Press
ISBN: 022608258X
Category : Business & Economics
Languages : en
Pages : 190
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Book Description
The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 348
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Book Description
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.
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Home equity loans
Languages : en
Pages : 240
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Book Description
Author: Harold L. Bunce
Publisher: DIANE Publishing
ISBN: 9780788137549
Category : Business & Economics
Languages : en
Pages : 234
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Book Description
This report demonstrates that a significant proportion of prospective homeowners remains underserved by the mortgage finance industry. The report reviews and evaluates the framework of housing goals that has been established by Fannie Mae and Freddie Mac. It finds that the housing goals represent a promising approach to focusing their resources on the mortgage credit needs of homebuyers. Such a programmatic emphasis by these enterprises represents an appropriate exchange for the benefits that they receive through their ties with the Federal government.
Author: Mathew J. Scire
Publisher: DIANE Publishing
ISBN: 1437940072
Category : Business & Economics
Languages : en
Pages : 16
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Book Description
FHA has helped millions of families purchase homes through its single-family mortgage insurance programs. FHA insures almost all of its single-family mortgages under the Fund, which is reviewed from both an actuarial and budgetary perspective each year. This statement discusses: (1) how estimates of the Fund¿s capital ratio have changed in recent years and the budgetary implications of changes in the Fund¿s financial condition; (2) how FHA and its actuarial review contractor evaluate the financial condition of the Fund; (3) the steps FHA has taken to improve the financial condition of the Fund; and (4) changes in the performance and characteristics of FHA-insured mortgages in recent years. Illustrations. This is a print on demand report.
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 792
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Book Description
