Mortgage Foreclosures and Other Current Mortgage Credit Issues PDF Download
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Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 208
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Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 208
Get Book
Book Description
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 208
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Book Description
Author: A. Nicole Clowers
Publisher: DIANE Publishing
ISBN: 1437985416
Category : Law
Languages : en
Pages : 77
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Book Description
Mortgage servicers -- entities that manage home mortgage loans -- halted foreclosures throughout the country in September 2010, finding that documents required to be provided to courts in some states may have been improperly signed or notarized. In addition, academics and court cases are raising questions over whether foreclosures are being brought properly because of concerns over how loans were transferred into mortgage-backed securities. This report examined: (1) the extent to which federal laws address mortgage servicers' foreclosure procedures and federal agencies' past oversight; (2) federal agencies' current oversight and future oversight plans; and (3) the potential impact of these issues on involved parties. Illus. A print on demand report.
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Electronic government information
Languages : en
Pages : 280
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Book Description
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 96
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Book Description
Author: Christopher Foote
Publisher: DIANE Publishing
ISBN: 1437928773
Category : Law
Languages : en
Pages : 53
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Book Description
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. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 422
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Author: Daniel Immergluck
Publisher: Cornell University Press
ISBN: 0801457580
Category : Social Science
Languages : en
Pages : 265
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Book Description
Over the last two years, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. The unfortunately timely Foreclosed explains the rise of high-risk lending and why these newer types of loans—and their associated regulatory infrastructure—failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of homeownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years—including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products—led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990s and early 2000s. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable homeownership as an option for a broad set of households and communities.
Author: United States. Congress. Senate. Committee on Banking and Currency
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 548
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Book Description
Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Foreclosure
Languages : en
Pages : 106
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Book Description
