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Reducing Foreclosures

Reducing Foreclosures
  • Author : Christopher Foote
  • Publisher :Unknown
  • Release Date :2009
  • Total pages :51
  • ISBN : 9781437928778
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Summary : 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.

Legislative and Regulatory Options for Minimizing and Mitigating Mortgage Foreclosures

Legislative and Regulatory Options for Minimizing and Mitigating Mortgage Foreclosures
  • Author : United States. Congress. House. Committee on Financial Services
  • Publisher :Unknown
  • Release Date :2007
  • Total pages :275
  • ISBN : PURD:32754075507719
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Summary :

Subprime Mortgages, Foreclosures, and Urban Neighborhoods

Subprime Mortgages, Foreclosures, and Urban Neighborhoods
  • Author : Kristopher S. Gerardi
  • Publisher :Unknown
  • Release Date :2010-06
  • Total pages :37
  • ISBN : 9781437928792
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Summary : Analyzes the impact of the subprime mortgage crisis on urban neighborhoods in Mass. Explores the topic using a data set that matches race and income info. with property-level, transaction data. Much of the subprime lending in the state was concentrated in urban neighborhoods and that minority homeownerships created with subprime mortgages have proved exceptionally unstable in the face of rapid price declines. Subprime lending did not, as commonly believed, lead to a substantial increase in homeownership by minorities but instead generated turnover in properties owned by minority residents. The particularly dire foreclosure situation in urban neighborhoods actually makes it somewhat easier for policymakers to provide remedies. Illus.

Reducing Foreclosures

Reducing Foreclosures
  • Author : Christopher L. Foote
  • Publisher :Unknown
  • Release Date :2009
  • Total pages :52
  • ISBN : OCLC:1027279093
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Summary : Abstract: This paper takes a skeptical look at a leading argument about what is causing the foreclosure crisis and distills some potential lessons for policy. We use an economic model to 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. The theoretical model and econometric analysis illustrate that "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. In addition, this paper provides theoretical results and empirical evidence supporting the hypothesis that the efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date than contract frictions related to securitization agreements between servicers and investors. While investors might be foreclosing when it would be socially efficient to modify, there is little evidence to suggest they are acting against their own interests when they do so. An important implication of our analysis is that the extension of temporary help to borrowers suffering adverse life events like job loss could prevent more foreclosures than a policy that makes mortgages more "affordable" on a long-term basis.

Second Liens and Other Barriers to Principal Reduction as an Effective Foreclosure Mitigation Program

Second Liens and Other Barriers to Principal Reduction as an Effective Foreclosure Mitigation Program
  • Author : United States. Congress. House. Committee on Financial Services
  • Publisher :Unknown
  • Release Date :2010
  • Total pages :64
  • ISBN : PURD:32754081068607
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Summary :

Defaults on FHA-insured Mortgages (Detroit).

Defaults on FHA-insured Mortgages (Detroit).
  • Author : United States. Congress. House. Committee on Government Operations. Legal and Monetary Affairs Subcommittee
  • Publisher :Unknown
  • Release Date :1972
  • Total pages :530
  • ISBN : LOC:00185438454
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Summary :

Community Solutions for the Prevention of & Management of Foreclosures: Congressional Field Hearing

Community Solutions for the Prevention of & Management of Foreclosures: Congressional Field Hearing
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2021
  • Total pages :229
  • ISBN : 1422320480
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Summary :

Effective Implementation In Practice

Effective Implementation In Practice
  • Author : Jodi Sandfort,Stephanie Moulton
  • Publisher :Unknown
  • Release Date :2014-12-18
  • Total pages :408
  • ISBN : 9781118986158
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Summary : A unique approach to policy implementation with essential guidance and useful tools Effective Implementation in Practice: Integrating Public Policy and Management presents an instrumental approach to implementation analysis. By spanningpolicy fields, organizations, and frontline conditions in implementation systems, this book provides a robust foundation for policy makers, public and nonprofit managers and leaders. Detailed case studies enable readers to identify key intervention points, become more strategic, and improve outcomes. The engaging style and specific examples provide a bridge to practice, while diagrams, worksheets, and other tools included in the appendix help managers apply these ideas to team meetings, operational planning, and program assessment and refinement. Policy and program implementation is fraught with challenges as public and nonprofit leaders juggle organizational missions and stakeholder expectations while managing policy and program impact and effectiveness. Using their own experience in practice, teaching, and research, the authors empower policy and program implementers to recognize their essential roles within the workplace and help them cultivate the analytical and social skills necessary to change. Understand how program or policy technology constitutes the core of implementation Study a conceptual framework encompassing power dynamics, culture, relationships in the field and the rules that are operating during program and policy implementation Discover a multilevel approach that identifies key points of strategic action at various levels and settings of the implementation system and assesses implementation success The integration of policy and management mindsets gives readers an insightful yet accessible understanding of implementation, allowing them to achieve the potent results desired by the public. For those in senior positions at federal agencies to local staff at nonprofit organizations, Effective Implementation in Practice: Integrating Public Policy and Management provides an invaluable one-stop resource.

Report to Congress on the Root Causes of the Foreclosure Crisis

Report to Congress on the Root Causes of the Foreclosure Crisis
  • Author : Christopher E. Herbert
  • Publisher :Unknown
  • Release Date :2010-06
  • Total pages :68
  • ISBN : 9781437929270
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Summary : Analyzes data and trends in the residential housing market and reviews the academic lit. and industry press on the root causes of the current foreclosure crisis (FC). Provides a review of policy responses and recommended actions to mitigate the FC and help prevent similar crises from occurring in the future. Contents: (1) Trends in Delinquencies and Foreclosures: Regional Trends in Foreclosures; (2) Lit. Review: General Lit. on Causes of Foreclosures and Delinquencies; Lit. Assessing Causes of the Current FC; Factors Enabling Expanded Risky Lending; (3) Policy Responses to the FC: Efforts To Address Rising Foreclosures; Efforts To Reduce the Risk of High Rates of Mortgage Foreclosures in the Future; Mortgage Market Reform. Illus.

Homeownership Built to Last

Homeownership Built to Last
  • Author : Eric S. Belsky,Christopher E. Herbert,Jennifer H. Molinsky
  • Publisher :Unknown
  • Release Date :2014-06-27
  • Total pages :487
  • ISBN : 9780815725657
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Summary : The ups and downs in housing markets over the past two decades are without precedent, and the costs—financial, psychological, and social—have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliberate how homeownership can be made more sustainable, and discuss how best to balance affordability, access, and risk, particularly for minorities and low income families. Contributors: Eric S. Belsky (JCHS); Raphael W. Bostic (University of Southern California); Mark Calabria (Cato Institute); Kaloma Cardwell (University of California, Berkeley); Mark Cole (Hope LoanPort); J. Michael Collins (University of Wisconsin– Madison); Marsha J. Courchane (Charles River Associates); Andrew Davidson (Andrew Davidson and Co.); Christopher E. Herbert (JCHS); Leonard C. Kiefer (Freddie Mac); Alex Levin (Andrew Davidson and Co.); Adam J. Levitin (Georgetown University Law Center); Mark R. Lindblad (University of North Carolina at Chapel Hill); Jeffrey Lubell (Abt Associates); Patricia A. McCoy (University of Connecticut School of Law); Daniel T. McCue (JCHS); Jennifer H. Molinsky (JCHS); Stephanie Moulton (Ohio State University); john a. powell (University of California–Berkeley); Roberto G. Quercia (University of North Carolina at Chapel Hill); Janneke H. Ratcliffe (University of North Carolina); Carolina Reid (University of California–Berkeley); William M. Rohe (University of North Carolina at Chapel Hill); Rocio Sanchez-Moyano (JCHS); Susan Wachter (University of Pennsylvania); Peter M. Zorn (Freddie Mac)

Review of the Department of the Treasury’s Foreclosure Prevention Programs

Review of the Department of the Treasury’s Foreclosure Prevention Programs
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2021
  • Total pages :229
  • ISBN : 9781437944709
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Summary :

The Homebuyer's Guide to the Foreclosure Market

The Homebuyer's Guide to the Foreclosure Market
  • Author : Chris M. Thibodeau
  • Publisher :Unknown
  • Release Date :2004-05
  • Total pages :48
  • ISBN : 0805947698
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Summary :

Homeownership : potential effects of reducing FHA's insurance coverage for home mortgages : report to the Chairman, Subcommittee on Housing and Community Opportunity, Committee on Banking and Financial Services, House of Representatives

Homeownership : potential effects of reducing FHA's insurance coverage for home mortgages : report to the Chairman, Subcommittee on Housing and Community Opportunity, Committee on Banking and Financial Services, House of Representatives
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2021
  • Total pages :229
  • ISBN : 9781428978362
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Summary :

Mortgage Foreclosures and Property Management by Life Insurance Companies ...

Mortgage Foreclosures and Property Management by Life Insurance Companies ...
  • Author : Robert Irwin Mehr
  • Publisher :Unknown
  • Release Date :1944
  • Total pages :124
  • ISBN : UOM:39015068191330
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Summary :

Private sector cooperation with mortgage modifications

Private sector cooperation with mortgage modifications
  • Author : United States. Congress. House. Committee on Financial Services
  • Publisher :Unknown
  • Release Date :2009
  • Total pages :116
  • ISBN : PSU:000065527115
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Summary :

Journal of the Midwest Finance Association

Journal of the Midwest Finance Association
  • Author : Midwest Finance Association
  • Publisher :Unknown
  • Release Date :1988
  • Total pages :229
  • ISBN : MINN:31951P00275805S
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Summary : Includes selected papers presented at its annual meeting.

A to Z of Foreclosures

A to Z of Foreclosures
  • Author : Harsimran Singh, Ph.D.
  • Publisher :Unknown
  • Release Date :2010-02-03
  • Total pages :228
  • ISBN : 9781427638724
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Summary : Think twice about purchasing real estate if you cannot sell it for a much higher price the same day of the purchase. I realize that this is a controversial statement, but in A to Z of Foreclosures: Real Estate Worth Millions Acquired with $101, I explain the logic behind it, and how it applies to people who have very little money and equally little knowledge about real estate, as well as to people who are well-off financially and experienced in the buying and selling of property. I have tried to be as comprehensive as possible, discussing the processes and procedures of foreclosure, the reasons that borrowers default, methods for making real estate investments recession-proof, the condition of title, the need to study the condition of the property and the neighborhood in which it is located and the economy of the surrounding area—and much more. This is not just theory. I have illustrated my points with numerous examples from my own experience, which consists of 25 years in real estate.

Housing Policy Debate

Housing Policy Debate
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2010
  • Total pages :229
  • ISBN : OSU:32435076821495
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Summary :

Nber - Macroeconomics Annual

Nber - Macroeconomics Annual
  • Author : Daron Acemoglu,Michael Woodford,Kenneth S. Rogoff
  • Publisher :Unknown
  • Release Date :2010-07
  • Total pages :508
  • ISBN : 0226002098
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Summary : The NBER Macroeconomics Annual provides a forum for important debates in contemporary macroeconomics and major developments in the theory of macroeconomic analysis and policy that include leading economists from a variety of fields. The papers and accompanying discussions in NBER Macroeconomics Annual 2009 address how heterogeneous beliefs interact with equilibrium leverage and potentially lead to leverage cycles, the validity of alternative hypotheses about the reason for the recent increase in foreclosures on residential mortgages, the credit rating crisis, quantitative implications for the evolution of the U.S. wage distribution, and noisy business cycles.

Report of the Committee on Land Tenure and Farm Debt Structure in Minnesota

Report of the Committee on Land Tenure and Farm Debt Structure in Minnesota
  • Author : Minnesota State Planning Board
  • Publisher :Unknown
  • Release Date :1937
  • Total pages :252
  • ISBN : MINN:31951D00130562O
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Summary :

The Handbook of Nonagency Mortgage-Backed Securities

The Handbook of Nonagency Mortgage-Backed Securities
  • Author : Frank J. Fabozzi,Chuck Ramsey,Michael Marz
  • Publisher :Unknown
  • Release Date :2000-02-15
  • Total pages :514
  • ISBN : 1883249686
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Summary : Frank Fabozzi and Chuck Ramsey update their treatise on nonagency mortgage backed securities in this third edition of The Handbook of Nonagency Mortgage Backed Securities. Focused on an important investing area that continues to grow, this book provides comprehensive coverage of all aspects of this specialized market sector, including the mortgage-related asset-backed securities market and commercial mortgage-backed securities. There is information on raw products, such as jumbo loans, alternative A mortgages, and 125 LTV mortgages, as well as structured products, analytical techniques, prepayment characteristics, and credit issues. This fast-growing segment also includes nonagency pass through, nonagency collateralized mortgage obligations, home loan equity-backed securities, and manufacture housing loan backed securities.