The Complete Guide to Preventing Foreclosure on Your Home

The Complete Guide to Preventing Foreclosure on Your Home
Author: Martha Maeda
Publisher: Atlantic Publishing Company
Total Pages: 290
Release: 2010
Genre: Business & Economics
ISBN: 1601382308

This guide provides you with strategies for getting legal advice, keeping current on your mortgage payments, negotiating temporary delays in payments, restructuring loans, refinancing, filing for bankruptcy, and creating and sticking to a budget. You will learn about debt counselling and income maintenance, tax abatement, and public assistance programs. This book also provides details on the March 2010 modifications to the Home Affordable Modification Program (HAMP) and to the Federal Housing Administration (FHA) programs offered by the federal government to assist homeowners who have been affected by the economic crisis through no fault of their own. In addition, this book will show you how to decide if your property is worth saving, how to figure out how much time you have to act, how to use the courts to stop foreclosure, how to decide whether bankruptcy is your best option, and how to use your military status to prevent foreclosure. You will also learn about foreclosure rescue scams, non-judicial foreclosure, judicial foreclosure, and notice of default. Also included is an explanation of the alternatives to foreclosure, such as special forbearance, mortgage modification, partial claim, pre-foreclosure, and deed-in-lieu of foreclosure. With foreclosures on the rise, it makes sense to know how to protect your home. The guide also provides you with tips, tricks, strategies, and secrets to prevent your home s foreclosure now before it is too late.

Sell Your Home Now

Sell Your Home Now
Author: Laura Riddle
Publisher: Atlantic Publishing Company
Total Pages: 290
Release: 2010
Genre: Business & Economics
ISBN: 1601380259

This book is a must-have for any individual looking to effectively sell their home for the best price. Put your home at the head of the market with the help of Laura Riddles expertise. Riddle, a Masters-level, award-winning real estate broker, walks today's home sellers through everything they need to know to get the best price in today's real estate market. Laura guides readers through the basics of the home selling process. Readers will learn how to determine the value of their home, prepare the home to be sold, stage the home inside and out, know when the time is right to list the home, plan for showings and open houses, accept an offer, and ultimately sell for top dollar. A firm believer in making your home stand out to sell faster by assisting potential buyers through the complicated loan process, the book carefully compares loan options, from low down payment FHA, and 0% down payment USDA, and VA loan programs, allowing readers to choose the loan that works best for their successful sale. Also covered are different Buyer Down Payment Assistance Programs, making this a complete guide to give you everything you need to put your house up for sale. Sell Your Home Now also includes timely information for sellers including resources on: Short sale versus Foreclosure options, Foreclosure prevention programs, The Homeowner Affordability and Stability Act passed in February 2009, and Loan modification options. This complete guide includes information about: selling techniques for selling up to 80 percent faster, and advertising to sell for 15-20% more, and where to list your home online to get the most exposure. Plus the book has a section on staging the home for the quickest sale in order to gain an advantage over other homes (particularly foreclosures) in your neighbourhood. Tips are given on common mistakes home sellers often make that could hinder your efforts so thoughtfully included are sample real estate contracts, titles, and home inspection reports. Selling the home For Sale By Owner? All of the information the book contains is exceptionally helpful to the do it yourselfer, plus, Laura has included case studies from agents and sellers around the country to provide readers with proven tips and tricks for selling a home in the quickest time possible and for the most money.

Guaranteed to Fail

Guaranteed to Fail
Author: Viral V. Acharya
Publisher: Princeton University Press
Total Pages: 233
Release: 2011-03-14
Genre: Business & Economics
ISBN: 1400838096

Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.

The Wealth Effect

The Wealth Effect
Author: Jeffrey M. Chwieroth
Publisher: Cambridge University Press
Total Pages: 597
Release: 2019-03-21
Genre: Business & Economics
ISBN: 1107153743

Shows how the politics of banking crises has been transformed by the growing 'great expectations' among middle class voters that governments should protect their wealth.

Hidden in Plain Sight

Hidden in Plain Sight
Author: Peter J. Wallison
Publisher: Encounter Books
Total Pages: 331
Release: 2016-03-29
Genre: Business & Economics
ISBN: 159403866X

The 2008 financial crisis—like the Great Depression—was a world-historical event. What caused it will be debated for years, if not generations. The conventional narrative is that the financial crisis was caused by Wall Street greed and insufficient regulation of the financial system. That narrative produced the Dodd-Frank Act, the most comprehensive financial-system regulation since the New Deal. There is evidence, however, that the Dodd-Frank Act has slowed the recovery from the recession. If insufficient regulation caused the financial crisis, then the Dodd-Frank Act will never be modified or repealed; proponents will argue that doing so will cause another crisis. A competing narrative about what caused the financial crisis has received little attention. This view, which is accepted by almost all Republicans in Congress and most conservatives, contends that the crisis was caused by government housing policies. This book extensively documents this view. For example, it shows that in June 2008, before the crisis, 58 percent of all US mortgages were subprime or other low-quality mortgages. Of these, 76 percent were on the books of government agencies such as Fannie Mae and Freddie Mac. When these mortgages defaulted in 2007 and 2008, they drove down housing prices and weakened banks and other mortgage holders, causing the crisis. After this book is published, no one will be able to claim that the financial crisis was caused by insufficient regulation, or defend Dodd-Frank, without coming to terms with the data this book contains.

Global Financial Stability Report, April 2012

Global Financial Stability Report, April 2012
Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
Total Pages: 94
Release: 2012-04-18
Genre: Business & Economics
ISBN: 1616352477

The April 2012 Global Financial Stability Report assesses changes in risks to financial stability over the past six months, focusing on sovereign vulnerabilities, risks stemming from private sector deleveraging, and assessing the continued resilience of emerging markets. The report probes the implications of recent reforms in the financial system for market perception of safe assets, and investigates the growing public and private costs of increased longevity risk from aging populations.

The Bullies of Wall Street

The Bullies of Wall Street
Author: Sheila Bair
Publisher: Simon and Schuster
Total Pages: 288
Release: 2016-04-12
Genre: Juvenile Nonfiction
ISBN: 148140086X

"In 2008, America went through a terrible financial crisis, and we are still suffering the consequences. Families lost their homes, had to give up their pets, and struggled to pay for food and medicine. Businesses didn't have money to buy equipment or hire and pay workers. Millions of people lost their jobs and their life savings. More than 100,000 businesses went bankrupt ... [Former FDIC chairman Bair] describes the many ways in which a broken system led families into financial trouble, and also explains the decisions being made at the time by the most powerful people in the country--from CEOs of multinational banks, to heads of government regulatory committees--that led to the recession" --Amazon.com.