The Role Of Mortgage Brokers In The Mortgage Finance Market
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The Role Of Mortgage Brokers In The Mortgage Finance Market
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Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
language : en
Publisher:
Release Date : 1998
The Role Of Mortgage Brokers In The Mortgage Finance Market written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Business & Economics categories.
Mortgage Markets Worldwide
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Author : Danny Ben-Shahar
language : en
Publisher: John Wiley & Sons
Release Date : 2009-01-28
Mortgage Markets Worldwide written by Danny Ben-Shahar and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-28 with Business & Economics categories.
The book provides a theoretical and empirical evaluation ofdifferent housing finance systems, presenting a collection ofstudies that describe various aspects of selected mortgage marketsaround the world. The uniqueness of the chosen markets lies in thefact that they represent not only different regions around theglobe (Africa, the Middle East, Asia, and Eastern Europe), but alsounderstudied markets in different stages of economic and financialdevelopment. This book examines questions relating to housingfinance efficiency and contract heterogeneity. In addition, itanalyses the securitization experiences in these countries toprovide lessons on how mortgage markets are integrated with capitalmarkets and how particular institutional framework interacts withmortgage markets. Short reviews are provided for each of the selected mortgagemarkets. The review will include institutional aspects of themarkets such as: the size and structure of the market (includingflows and accumulation of funds); a description of the competitionand a presentation of the major competitors (including marketshare, major financial measures, etc.); profitability in themarket, trends, structural changes, the major mortgage instrumentsand their market share, special tax issues, the role of thegovernment in the market, defaults, prepayments, mortgageinsurance, and major regulatory issues. The analysis explores the major existing problems in the mortgagemarket of each country, the current steps adopted to solve theseproblems, possible propositions for dealing with the major issuesin the future, and the implied future developments anticipated inthe market.
The Role Of Intermediaries In Selection Markets
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Author : Jason Allen
language : en
Publisher:
Release Date : 2023
The Role Of Intermediaries In Selection Markets written by Jason Allen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023 with Mortgage brokers categories.
We study the role of intermediaries (brokers) in the Canadian mortgage market. In this market, consumers can search for quotes in one of two ways: on their own or via a broker. We provide descriptive evidence that borrowers who transact through brokers are different from those who do not. Broker-clients finance larger loans, are more leveraged, and are less creditworthy. After controlling for observable borrower characteristics that might explain these facts, we estimate a model of mortgage demand to disentangle two explanations for why borrowers wind up with these riskier mortgage products: (i) brokers steer borrowers towards products that are more profitable for them, and (ii) borrowers have (unobserved) preferences for riskier loans, i.e., selection on unobservables. We find that brokers steer borrowers to mortgages with longer amortization, while a borrower's own (unobservable) characteristics drive their decision for smaller down payments.
Getting Started As A Commercial Mortgage Broker
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Author : Peter J. Gineris
language : en
Publisher: John Wiley & Sons
Release Date : 2008-12-03
Getting Started As A Commercial Mortgage Broker written by Peter J. Gineris and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-12-03 with Business & Economics categories.
While residential real estate lending has gone soft, commercial lending is hot—with a wave of low interest rates and refinancing—and it shows no sign of slowing down. Right now, commercial mortgage brokering is one of the best ways to earn money without a ton of training. In this practical guide for first-timers, you’ll learn the basics of brokering from application to closing, as well as inside information you won’t find anywhere else. So get started!
The Role Of Mortgage Brokers In The Mortgage Finance Market
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Author : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity
language : en
Publisher:
Release Date : 1998
The Role Of Mortgage Brokers In The Mortgage Finance Market written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Housing and Community Opportunity and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Business & Economics categories.
The Mortgage Loans Industry And Market
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Author : Industrial Systems Research
language : en
Publisher: Industrial Systems Research
Release Date : 2013-08-15
The Mortgage Loans Industry And Market written by Industrial Systems Research and has been published by Industrial Systems Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-08-15 with Business & Economics categories.
This widely used study provides a detailed business-economic account of mortgage lending and borrowing. The focus is on the UK. However, the book's examination of the factors affecting business growth and profitability, market competition, and innovation is relevant to mortgage lending in advanced industrial countries generally. The book surveys the main industrial-commercial trends and issues. It analyzes the policies and practices of the major lending organizations. Finally, it examines key influences on the behaviour of mortgage borrowers and personal savers and investors generally. CONTENTS: 1. THE MORTGAGE LOANS INDUSTRY & MARKET: AN OVERVIEW 2. THE MORTGAGE LOANS INDUSTRY IN THE UK 3. THE GROWTH & PERFORMANCE OF INSTITUTIONS 4. THE MORTGAGE LOANS MARKET (1): ECONOMIC ASPECTS 5. THE MORTGAGE LOANS MARKET (2): POLITICAL & LEGAL INFLUENCES 6. THE MORTGAGE LOANS MARKET (3): DEMAND & DEMAND TRENDS 7. THE DEVELOPMENT OF NEW PRODUCTS & SERVICES 8. MARKETING 9. MORTGAGE LENDERS & THE SAVINGS MARKET
Moving Forward
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Author : Nicolas P. Retsinas
language : en
Publisher: Brookings Institution Press
Release Date : 2011-01-01
Moving Forward written by Nicolas P. Retsinas and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-01 with Business & Economics categories.
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption. Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors—leaders in business, government, academia, and the nonprofit sector—discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, Charles River Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac
The Complete Guide To Becoming A Successful Mortgage Broker
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Author : Patricia Hughes
language : en
Publisher: Atlantic Publishing Company
Release Date : 2008
The Complete Guide To Becoming A Successful Mortgage Broker written by Patricia Hughes and has been published by Atlantic Publishing Company this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
A reliable mortgage broker is in constant demand and never short on business in any economic condition. According to the U.S. Department of Labor, the average income of mortgage brokers is $43,210. The mortgage brokering business is one of the fastest growing occupations in America today, yet the financial success rate for these new brokers is dismal. It is estimated that less than 30 percent of new mortgage brokers ever become financially successful. Virtually all mortgage brokers are paid strictly on commission, so there is little motivation for the company to help you succeed. You need the proper training to be prepared. This new book will provide you with a road map to financial success. You will learn how NOT to make the big mistakes most new brokers make, how to put a loan package together, how to find borrowers, how and what to charge, how to guarantee your fee, how to make buyers and sellers happy, and how to quickly and easily locate the best deals for your customers. Additionally, this book provides you with information on licensing and exam fees, the expenses of doing business, your vehicle and insurance coverage, sales techniques, simple methods to get hundreds of referrals, software programs that make running your business effortless, the private mortgage segment, the commercial market, secrets to using the Internet, realtors, online tools and ideas, mortgage technology tips, Internet leads, building partnerships, and much more. We also spent thousands of hours interviewing, e-mailing, and communicating with hundreds of todays most successful mortgage brokers. This book is a compilation of their secrets and proven, successful ideas. If you are interested in learning hundreds of hints, tricks, and secrets on how to earn a high, consistent income as a broker, this book is for you. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Introduction To Mortgages And Mortgage Backed Securities
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Author : Richard K. Green
language : en
Publisher: Academic Press
Release Date : 2013-11-21
Introduction To Mortgages And Mortgage Backed Securities written by Richard K. Green and has been published by Academic Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-11-21 with Business & Economics categories.
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
A History Of Mortgage Banking In The West
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Author : E. Michael Rosser
language : en
Publisher: University Press of Colorado
Release Date : 2017-10-15
A History Of Mortgage Banking In The West written by E. Michael Rosser and has been published by University Press of Colorado this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-15 with History categories.
Part economic history, part public history, A History of Mortgage Banking in the West is an insider’s account of how the mortgage banking sector worked over the last 150 years, including analysis of the causes of the 2007 mortgage crisis. Beginning with the land and railroad development acts that encouraged settlement in the west, E. Michael Rosser and Diane M. Sanders trace the laws, institutions, and individuals that contributed to the economic growth of the region. Using Colorado and the west as a case study for the nation’s economic and property development as a whole since the late nineteenth century, Rosser and Sanders explain how farm mortgages and agricultural lending steadily gave way to urban development and housing mortgages, all while the large mortgage and investment firms financed the development of some of the state’s most important water resources and railroad networks. Rosser uses his personal experience as a lifelong practitioner and educator of mortgage banking, along with a plethora of primary sources, academic archives, and industry publications, to analyze the causes of economic booms and busts as they relate to real estate and development. Rosser’s professional acumen combined with Sanders’s research experience makes A History of Mortgage Banking in the West a rich and nuanced account of the region’s most significant economic events. It will be an important work for scholars and practitioners in regional and financial history, mortgage market practice and development, government housing and mortgage policy, and financial stability and of great significance to anyone curious about the role of the federal government in national housing policy and the inherent risk in mortgages.