Rising Foreclosures in the United States: A Perfect Storm PDF Download
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Author: Kelly D. Edmiston
Publisher: DIANE Publishing
ISBN: 1428988939
Category : Business & Economics
Languages : en
Pages : 347
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Book Description
In the second qtr. of 2007, the share of outstanding mortg. in some stage of foreclosure (FC) stood at 1.4%, up from less than 1% a year earlier. The number of mortg. entering the FC process reached an all-time high in mid-2007. The FC surge was created by a perfect storm of events. First, the share of sub-prime mortg. originations increased. Second, FC rates for adjustable-rate mortg. (ARMs) have increased, esp. for sub-prime ARMs. Finally, high loan-to-value originations, coupled with stagnant or falling home prices, have left many people with insufficient equity to sell or to refinance their homes. Here is a dissection of the current FC surge. Discusses why the FC situation is likely to get worse over the next 2-3 years & why it is likely to improve afterward. Illus.
Author: Kelly D. Edmiston
Publisher: DIANE Publishing
ISBN: 1428988939
Category : Business & Economics
Languages : en
Pages : 347
Get Book Here
Book Description
In the second qtr. of 2007, the share of outstanding mortg. in some stage of foreclosure (FC) stood at 1.4%, up from less than 1% a year earlier. The number of mortg. entering the FC process reached an all-time high in mid-2007. The FC surge was created by a perfect storm of events. First, the share of sub-prime mortg. originations increased. Second, FC rates for adjustable-rate mortg. (ARMs) have increased, esp. for sub-prime ARMs. Finally, high loan-to-value originations, coupled with stagnant or falling home prices, have left many people with insufficient equity to sell or to refinance their homes. Here is a dissection of the current FC surge. Discusses why the FC situation is likely to get worse over the next 2-3 years & why it is likely to improve afterward. Illus.
Author: Oonagh McDonald
Publisher: A&C Black
ISBN: 1780935234
Category : Business & Economics
Languages : en
Pages : 494
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Book Description
The book demonstrates how politicians and federal agencies dominated Fannie Mae and Freddie Mac and took just thirteen years to wreck the American dream of home ownership.
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 224
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Book Description
Author: Allen C. Goodman
Publisher: DIANE Publishing
ISBN: 1437935486
Category : Law
Languages : en
Pages : 45
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Book Description
Using a national loan level data set, the authors examine loan default as explained by local demographic characteristics and state level legislation that regulates foreclosure procedures and predatory lending through a hierarchical linear model. They observe significant variation in the default rate across states, with lower default levels in states with higher temporal and financial costs to lenders when controlling for loan and location conditions. The results are notable given that many of the observed loans were sold to investors in national and international markets. State level legislative influences provide a foundation for discussion of national level policy that further regulates predatory lending and financial institution foreclosure activities. Charts and tables.
Author: Kalea Benner, PhD, MSW, LCSW
Publisher: Springer Publishing Company
ISBN: 0826135390
Category : Social Science
Languages : en
Pages : 311
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Book Description
This innovative text is the first to introduce practical techniques social workers can use to incorporate social, economic, and environmental justice into their practice. The book emphasizes the role of justice in social work practice across the micro-macro spectrum. By assessing common human needs in relation to human rights, justice, and practice aimed at promoting fairness, students will learn how to incorporate theories and practical perspectives in social work practice with individuals, families, communities, and organizations. With its unique approach, this text focuses on structural oppression and inequities connected to clients' engagement in systems and structures. The impact of disparities on accessing and utilizing resources, and subsequently achieving successful outcomes, is examined through the justice lens. Beginning with an overview of key concepts and theoretical underpinnings that provide foundational knowledge, the text then examines each of the three justice foci --social, economic, and environmental--in detail through specific systems. These systems include criminal justice, education, food security, natural disasters and climate change, health, mental health, housing, and income disparities Throughout the book, readers are asked to reflect on their own perceptions to enhance understanding of the influence of justice on practice. Case studies, diagrams, boxed information, student learning outcomes, chapter summaries, and review questions enhance understanding and application of content. Purchase includes digital access for use on most mobile devices or computers. Key Features: Emphasizes the role of social, economic, and environmental justice in social work practice Examines the science and theory behind justice as it relates to social work Teaches practical methods for implementing justice-oriented social work practice Authored by prominent instructors actively engaged in co-curricular justice-related content Offers student learning outcomes and summaries in each chapter Presents abundant diagrams and boxes to enhance application of content Provides multiple experiential learning opportunities including case examples and reflective and knowledge-based review questions Offers practical examples of justice-informed social work Includes Instructor's Manual with sample syllabus, PowerPoints, exam questions, and media resources
Author: United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 192
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Book Description
Author: Ken Beasley
Publisher: Morgan James Publishing
ISBN: 1614480370
Category : Business & Economics
Languages : en
Pages : 200
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Book Description
The Real Estate Market Sucks, Now What? is so crucial to the current economic Real Estate crisis that the consumer must understand that help does exist. If you want to know how to save your home from foreclosure, how to invest in today's market, how to get lenders to modify your loan and alternative ways to buy/sell your home, then read The Real Estate Market Sucks, Now What?.
Author: Adam Michaelson
Publisher: Penguin
ISBN: 9780425227411
Category : Political Science
Languages : en
Pages : 372
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Book Description
"When business school classes study this collapse in hindsight many years from now..., they will certainly pore through reams of rich data, charts, and graphs, and seek out various flaws in the present-day business models, looking for what went wrong, and
Author: Federal Reserve Bank of Kansas City
Publisher:
ISBN:
Category : Agriculture
Languages : en
Pages : 502
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Book Description
Author: John A. Fliter
Publisher: University Press of Kansas
ISBN: 0700618724
Category : Law
Languages : en
Pages : 232
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Book Description
In the depths of the Great Depression, when foreclosure rates skyrocketed across the United States, more than two dozen states passed mortgage-extension or -adjustment laws to help farmers and homeowners keep their properties. One such statute in Minnesota led to the most important property law case of its time and still casts a long shadow upon constitutional debates and our own era's severe economic downturn. Fighting Foreclosure marks the first book-length study of the landmark 1934 Supreme Court decision in Home Building and Loan Association v. Blaisdell, which, by a 5-4 vote, upheld the Minnesota Mortgage Moratorium Act. On the one hand, Blaisdell validated efforts by states to offer legislative relief to citizens struggling to keep their farms and homes. On the other, it caused an outcry among banking interests and conservative legal theorists, who argued that these laws violated the Contract Clause of the Constitution and interfered with our free market system. In his majority opinion, Chief Justice Charles Evans Hughes argued that the reasonable and limited nature of the law and the unusual severity of the emergency it addressed placed it firmly within the "police powers" of the states to protect the health and safety of the people. In a strongly worded dissent, Justice George Sutherland argued for a consistent and strict interpretation of the Contract Clause regardless of economic exigency. John Fliter and Derek Hoff provide a concise history and analysis of not only this landmark case and the reasoning behind its sharply divided decision but also of the entire history of the Contract Clause. They trace closely the agricultural crisis, political pressures, and farmer-protest movement that produced the Minnesota law. And their study contributes to scholarly debate about the origins of the Constitutional Revolution of 1937, by which the Supreme Court accepted the New Deal, as well as to public debates about constitutional interpretation and the role that government should play in providing relief to distressed citizens. In the midst of our nation's ongoing suffering from massive foreclosures and bankruptcies, Fighting Foreclosure also offers a potent reminder that the High Court's decisions often revolve around lives at risk as much as abstract legal debates.
