Home Mortgage Delinquency And Foreclosure
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Home Mortgage Delinquency And Foreclosure
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Author : John P. Herzog
language : en
Publisher: New York : National Bureau of Economic Research
Release Date : 1970
Home Mortgage Delinquency And Foreclosure written by John P. Herzog and has been published by New York : National Bureau of Economic Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 1970 with Business & Economics categories.
Financial Literacy And Subprime Mortgage Delinquency
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Author : Kristopher Gerardi
language : en
Publisher: DIANE Publishing
Release Date : 2010-10
Financial Literacy And Subprime Mortgage Delinquency written by Kristopher Gerardi and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-10 with Language Arts & Disciplines categories.
Investigates whether a particular aspect of borrowers' financial literacy ¿ their numerical ability ¿ may have played a role in the subprime mortgage collapse. The authors measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out mortgages in 2006 or 2007 and match these measures to objective data on mortgage characteristics and repayment performance. The result: a large and statistically significant negative correlation between numerical ability and various measures of delinquency and default. Foreclosure starts are approximately 2/3 lower in the group with the highest measured level of numerical ability compared with the group with the lowest measured level. Illus.
Mortgage Foreclosures
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
language : en
Publisher:
Release Date : 1983
Mortgage Foreclosures written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983 with Foreclosure categories.
Why Don T Lenders Renegotiate More Home Mortgages
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Author : Manuel Adelino
language : en
Publisher: DIANE Publishing
Release Date : 2011
Why Don T Lenders Renegotiate More Home Mortgages written by Manuel Adelino and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
This is a print on demand edition of a hard to find publication. Servicers have been reluctant to renegotiate mortgages since the foreclosure crisis started in 2007, having performed payment-reducing modifications on only 3% of seriously delinquent loans. This reluctance does not result from securitization: Servicers renegotiate similarly small fractions of loans that they hold in their portfolios. The paper¿s results are robust to different definitions of renegotiation, including the one most likely to be affected by securitization, and to different definitions of delinquency. Redefault risk, the possibility that a borrower will still default despite costly renegotiation, and self-cure risk, the possibility that a seriously delinquent borrower will become current without renegotiation, make renegotiation unattractive to investors. Illus.
Mortgage Delinquencies And Defaults
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Author : United States. Congress. House. Committee on Government Operations. Manpower and Housing Subcommittee
language : en
Publisher:
Release Date : 1983
Mortgage Delinquencies And Defaults written by United States. Congress. House. Committee on Government Operations. Manpower and Housing Subcommittee and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983 with Foreclosure categories.
Loss Given Default Of High Loan To Value Residential Mortgages
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Author : Min Qi
language : en
Publisher:
Release Date : 2007
Loss Given Default Of High Loan To Value Residential Mortgages written by Min Qi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Default (Finance) categories.
This paper studies residential mortgage loss given default using a large set of historical loan-level default and recovery data of high loan-to-value mortgages from several private mortgage insurance companies. We show that loss given default can largely be explained by various characteristics associated with the loan, the underlying property, and the default, foreclosure, and settlement process. We find that the current loan-to-value ratio is the single most important determinant. More importantly, mortgage loss severity in distressed housing markets is significantly higher than under normal housing market conditions. Our empirical results have important policy implications for risk-based capital.
Information On Recent Default And Foreclosure Trends For Home Mortgages And Associated Economic And Market Developments
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Author : United States Government Accountability Office
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2018-01-25
Information On Recent Default And Foreclosure Trends For Home Mortgages And Associated Economic And Market Developments written by United States Government Accountability Office and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-01-25 with categories.
Information on Recent Default and Foreclosure Trends for Home Mortgages and Associated Economic and Market Developments
Report To Congress On The Root Causes Of The Foreclosure Crisis
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Author : Christopher E. Herbert
language : en
Publisher: DIANE Publishing
Release Date : 2010-06
Report To Congress On The Root Causes Of The Foreclosure Crisis written by Christopher E. Herbert and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-06 with Law categories.
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.
Financial Literacy And Subprime Mortgage Delinquency
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Author : Kristopher Gerardi
language : en
Publisher:
Release Date : 2014
Financial Literacy And Subprime Mortgage Delinquency written by Kristopher Gerardi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
The exact cause of the massive defaults and foreclosures in the U.S. subprime mortgage market is still unclear. This paper investigates whether a particular aspect of borrowers' financial literacy - their numerical ability - may have played a role. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out mortgages in 2006 or 2007 and match these measures to objective data on mortgage characteristics and repayment performance. We find a large and statistically significant negative correlation between numerical ability and various measures of delinquency and default. Foreclosure starts are approximately two-thirds lower in the group with the highest measured level of numerical ability compared with the group with the lowest measured level. The result is robust to controlling for a broad set of sociodemographic variables and not driven by other aspects of cognitive ability or the characteristics of the mortgage contracts. Our results raise the possibility that limitations in certain aspects of financial literacy played an important role in the subprime mortgage crisis.
Housing Default
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Author : Allen C. Goodman
language : en
Publisher: DIANE Publishing
Release Date : 2010-10
Housing Default written by Allen C. Goodman and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-10 with Law categories.
Using a national loan level data set, the authors examine loan default as explained by local demographic characteristics and state level legislation that regulates foreclosure procedures and predatory lending through a hierarchical linear model. They observe significant variation in the default rate across states, with lower default levels in states with higher temporal and financial costs to lenders when controlling for loan and location conditions. The results are notable given that many of the observed loans were sold to investors in national and international markets. State level legislative influences provide a foundation for discussion of national level policy that further regulates predatory lending and financial institution foreclosure activities. Charts and tables.