New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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Author : United States Accounting Office (GAO)
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2018-06-11
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards written by United States Accounting Office (GAO) 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 2018-06-11 with categories.
New Mortgages for Financing Homes Need Uniform and Comprehensive Consumer Safeguards
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Consumer protection categories.
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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Author : États-Unis. General Accounting Office
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards written by États-Unis. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with categories.
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Mortgage loans categories.
Housing
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Author : U S Government Accountability Office (G
language : en
Publisher: BiblioGov
Release Date : 2013-06
Housing written by U S Government Accountability Office (G and has been published by BiblioGov this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-06 with categories.
GAO reviewed several of the new mortgage instruments for single-family homes and their impact on homebuyers and lenders. The review was made because many Americans purchasing homes in the future will be faced with selecting one of the new alternative mortgage instruments instead of the standard level payment mortgage which has been in use for about 40 years. The principal types of alternatives to the standard mortgage are: (1) adjustable-rate mortgages on which interest rates vary with changes in one of the money market interest rates; (2) graduated payment mortgage (GPM) wherein the initial monthly payments are less than those under the standard mortgage but rise to higher than standard levels in later years; (3) variable-rate mortgages which permit the interest rate to vary both up and down according to some money market interest rate; (4) renegotiated-rate mortgages which permit a loan to be issued for a term of 3, 4, or 5 years, secured by a long-term mortgage of up to 30 years, and automatically renewable at equal intervals; and (5) adjustable-rate mortgage loans which permit a flexible loan instrument to be issued. The Office of the Comptroller of the Currency's new adjustable-rate mortgage regulation provides that interest rate adjustments must occur at regular intervals and the maximum increase or decrease in the interest rate may not exceed 1 percent for every 6-month period between rate adjustments. GAO analysis of the Department of Housing and Urban Development's (HUD) GPM program disclosed that: (1) HUD underwriters are not routinely assessing the homebuyer's ability to meet increasing payments; (2) HUD refusal to include all GPM plans under the mortgage-backed securities program has impeded the program's growth; and (3) many homebuyers are not fully apprised of all GPM plans available.
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards
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Author : GENERAL ACCOUNTING OFFICE WASHINGTON DC COMMUNITY AND ECONOMIC DEVELOPMENT DIV.
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards written by GENERAL ACCOUNTING OFFICE WASHINGTON DC COMMUNITY AND ECONOMIC DEVELOPMENT DIV. and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with categories.
This report discusses several of the new mortgage instruments for single-family homes and their impact on home buyers and lenders. This review was made because many Americans purchasing homes in the future will be faced with selecting one of the new alternative mortgage instruments instead of the standard level payment mortgage which has been in use for about 40 years. The report contains recommendations to the Department of Housing and Urban Development, the Federal Home Loan Bank Board, and the Comptroller of the Currency. (Author).
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards Summary
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Consumer Safeguards Summary written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Mortgage loans categories.
New Mortgages For Financing Homes Need Uniform And Comprehensive Safeguards
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1981
New Mortgages For Financing Homes Need Uniform And Comprehensive Safeguards written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Mortgage loans categories.
Gao Documents
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Author : United States. General Accounting Office
language : en
Publisher:
Release Date : 1981
Gao Documents written by United States. General Accounting Office and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with categories.
Catalog of reports, decisions and opinions, testimonies and speeches.
Federal Program Evaluations
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Author :
language : en
Publisher:
Release Date : 1983
Federal Program Evaluations written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983 with categories.
Contains an inventory of evaluation reports produced by and for selected Federal agencies, including GAO evaluation reports that relate to the programs of those agencies.