Anatomy of a Mortgage

Anatomy of a Mortgage

The book also considers relevant provisions in other related loan documents such as the Note, Loan Agreement and Assignment of Leases and Rents.

Author: Lawrence Uchill

Publisher: ABA Real Property Trusts & Estate Law

ISBN: 1634257693

Category: Commercial loans

Page: 274

View: 248

Categories: Commercial loans

Anatomy of a Mortgage

Anatomy of a Mortgage

For lawyers counseling borrowers or lenders in the context of a commercial real estate loan, this is a practical and effective guide to the basic concepts of real estate finance.

Author: R. Wilson Freyermuth

Publisher: American Bar Association

ISBN: STANFORD:36105062236869

Category: Law

Page: 226

View: 808

For lawyers counseling borrowers or lenders in the context of a commercial real estate loan, this is a practical and effective guide to the basic concepts of real estate finance. It takes as its framework a detailed analysis of a commercial form mortgage document that addresses all important aspects of a mortgage transaction. Thanks to this structured format, Anatomy of a Mortgage is a valuable resource both for attorneys handling their first such transaction to more seasoned mortgage attorneys seeking a useful and comprehensive reference.
Categories: Law

Anatomy of the House

Anatomy of the House

The design process for this house was simpler than it would be normally , because I was both the client and the designer .

Author: Emma Halliday

Publisher:

ISBN: STANFORD:36105113025758

Category: Architectural design

Page: 94

View: 225

Categories: Architectural design

The Banks Did It

The Banks Did It

With the structural features of the banking industry in view, the rest of the story falls into place.

Author: Neil Fligstein

Publisher: Harvard University Press

ISBN: 9780674259010

Category: Business & Economics

Page: 336

View: 230

A comprehensive account of the rise and fall of the mortgage-securitization industry, which explains the complex roots of the 2008 financial crisis. More than a decade after the 2008 financial crisis plunged the world economy into recession, we still lack an adequate explanation for why it happened. Existing accounts identify a number of culprits—financial instruments, traders, regulators, capital flows—yet fail to grasp how the various puzzle pieces came together. The key, Neil Fligstein argues, is the convergence of major US banks on an identical business model: extracting money from the securitization of mortgages. But how, and why, did this convergence come about? The Banks Did It carefully takes the reader through the development of a banking industry dependent on mortgage securitization. Fligstein documents how banks, with help from the government, created the market for mortgage securities. The largest banks—Countrywide Financial, Bear Stearns, Citibank, and Washington Mutual—soon came to participate in every aspect of this market. Each firm originated mortgages, issued mortgage-backed securities, sold those securities, and, in many cases, acted as their own best customers by purchasing the same securities. Entirely reliant on the throughput of mortgages, these firms were unable to alter course even when it became clear that the market had turned on them in the mid-2000s. With the structural features of the banking industry in view, the rest of the story falls into place. Fligstein explains how the crisis was produced, where it spread, why regulators missed the warning signs, and how banks’ dependence on mortgage securitization resulted in predatory lending and securities fraud. An illuminating account of the transformation of the American financial system, The Banks Did It offers important lessons for anyone with a stake in avoiding the next crisis.
Categories: Business & Economics

The Anatomy of the Transmission of Macroprudential Policies

The Anatomy of the Transmission of Macroprudential Policies

We analyze how regulatory constraints on household leverage—in the form of loan-to-income and loan-to-value limits—a?ect residential mortgage credit and house prices as well as other asset classes not directly targeted by the limits.

Author: Viral V. Acharya

Publisher: International Monetary Fund

ISBN: 9781513545158

Category: Business & Economics

Page: 57

View: 492

We analyze how regulatory constraints on household leverage—in the form of loan-to-income and loan-to-value limits—a?ect residential mortgage credit and house prices as well as other asset classes not directly targeted by the limits. Supervisory loan level data suggest that mortgage credit is reallocated from low-to high-income borrowers and from urban to rural counties. This reallocation weakens the feedback loop between credit and house prices and slows down house price growth in “hot” housing markets. Consistent with constrained lenders adjusting their portfolio choice, more-a?ected banks drive this reallocation and substitute their risk-taking into holdings of securities and corporate credit.
Categories: Business & Economics

Anatomy of a Meltdown

Anatomy of a Meltdown

This clear and concise text by one of the foremost authorities on bank regulation features: comprehensive coverage of all of the fundamental law, policy, and practical issues raised by the crisis and the government's response to it the core ...

Author: Michael P. Malloy

Publisher: Aspen Publishers

ISBN: STANFORD:36105134527584

Category: Law

Page: 281

View: 146

Anatomy of a Meltdown: A Dual Financial Biography of the Subprime Mortgage Crisis, traces the course of two financial icons, Lehman Brothers and WaMuâ "one operating in the investment sector, the other in the consumer financial services sectorâ "on their path to financial ruin. Illuminating the nature and severity of the subprime mortgage crisis, author Michael P. Malloy presents a clear and cogent analysis of the global economic meltdown, the steps necessary to restore the financial markets, and measures that must be taken to avoid similar crises in the future. This clear and concise text by one of the foremost authorities on bank regulation features: comprehensive coverage of all of the fundamental law, policy, and practical issues raised by the crisis and the government's response to it the core of key cases preserved in timely and salient excerpts a balanced policy perspective step-by-step, highly readable analysis of the practical and policy implications of the subprime mortgage crisis the author's cutting-edge web log that offers continuously updated supplemental material generous use of examples throughout the text effective use of visual aids to illustrate concepts and spark class discussion Anatomy of a Meltdown: A Dual Financial Biography of the Subprime Mortgage Crisis, by Michael P. Malloy tells the story of the financial meltdown that swept through American and international markets, threatening to plunge the United States into depression as Wall Street and the global economy faced near-total collapse.
Categories: Law

The anatomy of a residential mortgage crisis a look back to the 1930s

The anatomy of a residential mortgage crisis   a look back to the 1930s

Looking back to the 1930s provides the opportunity to examine one severe mortgage crisis as we live through another.

Author: Kenneth A. Snowden

Publisher:

ISBN: OCLC:695891801

Category: Depressions

Page: 31

View: 815

Looking back to the 1930s provides the opportunity to examine one severe mortgage crisis as we live through another. This paper examines the development of the residential mortgage market during the 1920s, the institutional disruptions that occurred in the 1930s and the policy response of federal and state governments. The crisis reshaped the structure and development of the residential mortgage market and led to a postwar system in which portfolio lenders dominated both local and interregional markets. Some pre-1930 innovations--mortgage insurance and high-leverage, affordable loans--were written into federal programs and became part of the new system. But early experiments and proposals for securitization did not survive the 1930s and the implementation of this innovation was delayed for forty years.
Categories: Depressions

Anatomy of an ARM

Anatomy of an ARM

Author: Richard Stanton

Publisher:

ISBN: OCLC:33400282

Category: Adjustable rate mortgages

Page: 29

View: 377

Categories: Adjustable rate mortgages

Monthly Review Federal Reserve Bank of Atlanta

Monthly Review   Federal Reserve Bank of Atlanta

Atlanta, Georgia October - 1960 Anatomy of a Mortgage Market A Decade of Financing Home Building in the South Will the supply of mortgage funds be adequate ...

Author: Federal Reserve Bank of Atlanta

Publisher:

ISBN: STANFORD:36105005932897

Category: United States

Page:

View: 836

Categories: United States

Anatomy of a Financial Crisis

Anatomy of a Financial Crisis

1.4.1.1 The Overall Structure ofthe Mortgage Market Mortgages are originated by many different agents. Depository institutions (commercial banks, ...

Author: Marc Jarsulic

Publisher: Palgrave Macmillan

ISBN: 9781137295316

Category: Business & Economics

Page: 220

View: 864

An in-depth look at the origins and development of the current financial crisis, from an economist and Washington insider.The author explains how a wide array of financial institutions - including mortgage banks, commercial banks, and investment banks - created a credit bubble that supported nonprime mortgage lending and helped to inflate house prices.The near-collapse is shown to be the result of multiple regulatory failures and reckless decisions by financial firms that were less sophisticated than they appeared. The author concludes that significant changes in financial market regulation, especially with respect to firms that are "too big to fail," will be needed to prevent future crises and the damage they cause.
Categories: Business & Economics

An Anatomy of the Financial Crisis

An Anatomy of the Financial Crisis

This book offers a clear synthesis and original analysis of the various factors that led to the financial crisis of 2007-2010, and is intended as a supplementary course text for undergraduate and postgraduate students in finance or finance ...

Author: Nashwa Saleh

Publisher: Anthem Press

ISBN: 9780857289612

Category: Business & Economics

Page: 191

View: 697

How did the US financial crisis snowball into USD 15 trillion global losses? This book offers a clear synthesis and original analysis of the various factors that led to the financial crisis of 2007-2010, and is intended as a supplementary course text for undergraduate and postgraduate students in finance or finance-related courses.
Categories: Business & Economics

Probate and Property

Probate and Property

www . ababooks . org A practical and effective guide to understanding and negotiating the basic concepts of real estate finance Anatomy of a Mortgage ...

Author:

Publisher:

ISBN: STANFORD:36105063226323

Category: Probate law and practice

Page:

View: 823

Categories: Probate law and practice

the oil industry anatomy of a giant

the oil industry anatomy of a giant

Conventional mortgages accounted for 55 percent of new homes sold in the first quarter of 1972. By the third quarter of 1973 they accounted for 81 percent.

Author:

Publisher:

ISBN:

Category:

Page:

View: 945

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