Mortgage Foreclosures And Other Current Mortgage Credit Issues
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Author |
: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development |
Publisher |
: |
Total Pages |
: 208 |
Release |
: 1986 |
ISBN-10 |
: UCR:31210016387605 |
ISBN-13 |
: |
Rating |
: 4/5 (05 Downloads) |
Synopsis Mortgage Foreclosures and Other Current Mortgage Credit Issues by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Author |
: Christopher Foote |
Publisher |
: DIANE Publishing |
Total Pages |
: 53 |
Release |
: 2009 |
ISBN-10 |
: 9781437928778 |
ISBN-13 |
: 1437928773 |
Rating |
: 4/5 (78 Downloads) |
Synopsis Reducing Foreclosures by : Christopher Foote
Takes a skeptical look at a leading argument about what is causing the foreclosure crisis and what should be done to stop it. The authors focus on two key decisions: the borrower's choice to default on a mortgage and the lender's subsequent choice whether to renegotiate or modify the loan. Unaffordable loans, defined as those with high mortgage payments relative to income at origination, are unlikely to be the main reason that borrowers decide to default. The efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date. Policies designed to reduce foreclosures should focus on ameliorating the effects of job loss rather than modifying loans to make them more affordable on a long-term basis. Illustrations.
Author |
: United States. National Housing Agency |
Publisher |
: |
Total Pages |
: 24 |
Release |
: 1946 |
ISBN-10 |
: COLUMBIA:AR62581805 |
ISBN-13 |
: |
Rating |
: 4/5 (05 Downloads) |
Synopsis A Decade of Housing by : United States. National Housing Agency
Author |
: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development |
Publisher |
: |
Total Pages |
: 208 |
Release |
: 1986 |
ISBN-10 |
: PURD:32754066704721 |
ISBN-13 |
: |
Rating |
: 4/5 (21 Downloads) |
Synopsis Mortgage Foreclosures and Other Current Mortgage Credit Issues by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Author |
: William H. Locke |
Publisher |
: |
Total Pages |
: 1198 |
Release |
: 2014-05-02 |
ISBN-10 |
: 1938873068 |
ISBN-13 |
: 9781938873065 |
Rating |
: 4/5 (68 Downloads) |
Synopsis Texas Foreclosure Manual, Third Edition by : William H. Locke
Author |
: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher |
: |
Total Pages |
: 518 |
Release |
: 2011 |
ISBN-10 |
: MINN:31951D03457360G |
ISBN-13 |
: |
Rating |
: 4/5 (0G Downloads) |
Synopsis Problems in Mortgage Servicing from Modification to Foreclosure by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Author |
: Edmund L. Andrews |
Publisher |
: W. W. Norton & Company |
Total Pages |
: 236 |
Release |
: 2009-05-22 |
ISBN-10 |
: 9780393071283 |
ISBN-13 |
: 0393071286 |
Rating |
: 4/5 (83 Downloads) |
Synopsis Busted: Life Inside the Great Mortgage Meltdown by : Edmund L. Andrews
The fiasco that sank millions of Americans, including one journalist, who thought he knew better. A veteran New York Times economics reporter, Ed Andrews was intimately aware of the dangers posed by easy mortgages from fast-buck lenders. Yet, at the promise of a second chance at love, he succumbed to the temptation of subprime lending and became part of the economic catastrophe he was covering. In surprisingly short order, he amassed a staggering amount of debt and reached the edge of bankruptcy. In Busted, Andrew bluntly recounts his misadventures in mortgages and goes one step further to describe the brokers, lenders, Wall Street players, and Washington policymakers who helped bring that money to his door. The result is a penetrating and often acerbic look at the binge and bust that nearly bankrupted the United States. Enabled by know-nothing complacency in Washington, Wall Street wizards used "collateralized debt obligations," "conduits," and other inscrutable financial "innovations" to put American home financing into hyperdrive. Millions of Americans abandoned the safety of thirty-year, fixed-rate mortgages and loaded up on debt. While regulators insisted that the markets knew best, Wall Street firms fragmented and repackaged unsound loans into securities that the rating agencies stamped with triple-A seals of approval. Andrews describes a remarkably democratic debacle that made fools out of people up and down the financial food chain. From a confessional meeting with Alan Greenspan to a trek through the McMansion bubble of the OC, he maps the arc of the Frankenstein loans that brought the American economy to the brink. With on-the-ground reporting from the frothiest quarters of the crisis, Andrews locates what is likely to be the high-water mark in America's long-term embrace of higher borrowing, higher risk-taking, and the fervent belief in the possibility of easy profits.
Author |
: United States. Congress. House. Committee on Financial Services |
Publisher |
: |
Total Pages |
: 136 |
Release |
: 2008 |
ISBN-10 |
: PSU:000063509939 |
ISBN-13 |
: |
Rating |
: 4/5 (39 Downloads) |
Synopsis Progress in Administrative and Other Efforts to Coordinate and Enhance Mortgage Foreclosure Prevention by : United States. Congress. House. Committee on Financial Services
Author |
: Adam B. Ashcraft |
Publisher |
: DIANE Publishing |
Total Pages |
: 76 |
Release |
: 2010-03 |
ISBN-10 |
: 9781437925142 |
ISBN-13 |
: 1437925146 |
Rating |
: 4/5 (42 Downloads) |
Synopsis Understanding the Securitization of Subprime Mortgage Credit by : Adam B. Ashcraft
Provides an overview of the subprime mortgage securitization process and the seven key informational frictions that arise. Discusses the ways that market participants work to minimize these frictions and speculate on how this process broke down. Continues with a complete picture of the subprime borrower and the subprime loan, discussing both predatory borrowing and predatory lending. Presents the key structural features of a typical subprime securitization, documents how rating agencies assign credit ratings to mortgage-backed securities, and outlines how these agencies monitor the performance of mortgage pools over time. The authors draw upon the example of a mortgage pool securitized by New Century Financial during 2006. Illustrations.
Author |
: Association of the Bar of the City of New York |
Publisher |
: |
Total Pages |
: 1148 |
Release |
: 1992 |
ISBN-10 |
: STANFORD:36105060910762 |
ISBN-13 |
: |
Rating |
: 4/5 (62 Downloads) |
Synopsis The Record of the Association of the Bar of the City of New York by : Association of the Bar of the City of New York