Cases On Mortgages
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| Author | : David S. Hill |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2007 |
| Genre | : Mortgages |
| ISBN | : 9781594602481 |
Revised and updated to 2006, the second edition of Basic Mortgage Law continues to be comparatively brief, straightforward, and traditional. This is a doctrinal casebook that can serve as a basic foundation for a 2- or 3-hour mortgage law course. Hill and Brown have deliberately chosen cases which contain generally accepted rules that have been correctly applied in order to give students a clearer understanding of a complex area of law. These include a number of older cases that are better written, more thoroughly reasoned, and are as relevant today as when handed down. Accompanying notes and questions are carefully designed to pique the interest of the students and encourage them to look at secondary sources to expand their knowledge.
| Author | : David Dayen |
| Publisher | : New Press, The |
| Total Pages | : 302 |
| Release | : 2016-05-17 |
| Genre | : Business & Economics |
| ISBN | : 1620971593 |
In the depths of the Great Recession, a cancer nurse, a car dealership worker, and an insurance fraud specialist helped uncover the largest consumer crime in American history—a scandal that implicated dozens of major executives on Wall Street. They called it foreclosure fraud: millions of families were kicked out of their homes based on false evidence by mortgage companies that had no legal right to foreclose. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Fiscal Times columnist David Dayen recounts how these ordinary Floridians challenged the most powerful institutions in America armed only with the truth—and for a brief moment they brought the corrupt financial industry to its knees.
| Author | : Morton Carlisle Campbell |
| Publisher | : |
| Total Pages | : 656 |
| Release | : 1926 |
| Genre | : Mortgages |
| ISBN | : |
| Author | : John Krainer |
| Publisher | : DIANE Publishing |
| Total Pages | : 45 |
| Release | : 2010-10 |
| Genre | : Law |
| ISBN | : 143793384X |
The authors develop an equilibrium valuation model that incorporates optimal default to show how mortgage yields and lender recovery rates on defaulted mortgages depend on initial loan-to-value (LTV) ratios. The analysis treats both the frictionless case and the case in which borrowers and lenders incur deadweight costs upon default. The model is calibrated using data on California mortgages. Given reasonable parameter values, the model does a surprisingly good job fitting the risk premium in the data for high LTV mortgages. Thus, from an ex ante perspective, the authors do not find strong evidence of systematic underpricing of default risk in the run-up to the housing market crisis. Charts and tables.
| Author | : United States. Federal Housing Administration |
| Publisher | : |
| Total Pages | : 264 |
| Release | : 1936-04 |
| Genre | : Housing |
| ISBN | : |
| Author | : Richard K. Green |
| Publisher | : Academic Press |
| Total Pages | : 249 |
| Release | : 2013-11-21 |
| Genre | : Business & Economics |
| ISBN | : 0124045936 |
In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
| Author | : Bruce J. Bergman |
| Publisher | : |
| Total Pages | : |
| Release | : 1990 |
| Genre | : Foreclosure |
| ISBN | : |
| Author | : Edward M. Gramlich |
| Publisher | : The Urban Insitute |
| Total Pages | : 124 |
| Release | : 2007 |
| Genre | : Business & Economics |
| ISBN | : 9780877667391 |
Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.
| Author | : Chris Briggs |
| Publisher | : Springer |
| Total Pages | : 350 |
| Release | : 2018-02-27 |
| Genre | : Business & Economics |
| ISBN | : 3319662090 |
This volume investigates the use of mortgages in the European countryside between the thirteenth and eighteenth centuries. A mortgage allowed a loan to be secured with land or other property, and the practice has been linked to the transformation of the agrarian economy that paved the way for modern economic growth. Historians have viewed the mortgage both positively and negatively: on the one hand, it provided borrowers with opportunities for investment in agriculture; but equally, it exposed them to the risk of losing their mortgaged property. The case studies presented in this volume reveal the variety of forms that the mortgage took, and show how an intricate balance was struck between the interests of the borrower looking for funds, and those of the lender looking for security. It is argued that the character of mortgage law, and the nature of rights in land in operation in any given the place and period, determined the degree to which mortgages were employed. Over time, developments in these factors allowed increasing numbers of peasants to use mortgages more freely, and with a decreasing risk of expropriation. This volume will be appealing to academics and researchers interested in financial history, rural credit and debt, and the economic history of agrarian communities.
| Author | : Jennifer Taub |
| Publisher | : Yale University Press |
| Total Pages | : 538 |
| Release | : 2014-05-27 |
| Genre | : History |
| ISBN | : 0300206941 |
The clearest explanation yet of how the financial crisis of 2008 developed and why it could happen again In the wake of the financial meltdown in 2008, many claimed that it had been inevitable, that no one saw it coming, and that subprime borrowers were to blame. This accessible, thoroughly researched book is Jennifer Taub’s response to such unfounded claims. Drawing on wide-ranging experience as a corporate lawyer, investment firm counsel, and scholar of business law and financial market regulation, Taub chronicles how government officials helped bankers inflate the toxic-mortgage-backed housing bubble, then after the bubble burst ignored the plight of millions of homeowners suddenly facing foreclosure. Focusing new light on the similarities between the savings and loan debacle of the 1980s and the financial crisis in 2008, Taub reveals that in both cases the same reckless banks, operating under different names, received government bailouts, while the same lax regulators overlooked fraud and abuse. Furthermore, in 2013 the situation is essentially unchanged. The author asserts that the 2008 crisis was not just similar to the S&L scandal, it was a severe relapse of the same underlying disease. And despite modest regulatory reforms, the disease remains uncured: top banks remain too big to manage, too big to regulate, and too big to fail.
