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Lenders and Loss: The Destructive Legacy of Subprime Mortgages in Latino/a Communities

Steven W. Bender

in Tierra Y Libertad: Land, Liberty, and Latino Housing

Published in print:
2010
Published Online:
May 2016
ISBN:
9780814791257
eISBN:
9780814739136
Item type:
chapter
Publisher:
NYU Press
DOI:
10.18574/nyu/9780814791257.003.0006
Subject:
Law, Human Rights and Immigration

This chapter concludes the discussion of the history of loss in Latino/a housing with an overview of the recent subprime mortgage crisis—after decades of exclusion, Latino/as flirted briefly with ... More


Designing Student Loans

Nicholas Barr

in The Welfare State as Piggy Bank: Information, Risk, Uncertainty, and the Role of the State

Published in print:
2001
Published Online:
November 2003
ISBN:
9780199246595
eISBN:
9780191595936
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/0199246599.003.0012
Subject:
Economics and Finance, Public and Welfare

Imperfect information, risk, and uncertainty create capital market imperfections. As a result, conventional loans, i.e. mortgage‐type loans, are both inefficient and inequitable. Income‐contingent ... More


To Owe Is Not to Own: Why Russians Reject Mortgages

Jane R. Zavisca

in Housing the New Russia

Published in print:
2012
Published Online:
August 2016
ISBN:
9780801450372
eISBN:
9780801464300
Item type:
chapter
Publisher:
Cornell University Press
DOI:
10.7591/cornell/9780801450372.003.0009
Subject:
History, Russian and Former Soviet Union History

This chapter examines why Russians oppose mortgage subsidies for young families and mortgage loans in general. Low demand for mortgages is striking given high unmet demand for housing. More than half ... More


A Rolling Loan Gathers No Loss

Kathleen C. Engel and Patricia A. McCoy

in The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps

Published in print:
2011
Published Online:
April 2015
ISBN:
9780195388824
eISBN:
9780190258535
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780195388824.003.0003
Subject:
Business and Management, Political Economy

This chapter introduces the process of securitization and the actors who helped convert mortgage loans into complex financial instruments. It then explains how that process went haywire despite ... More


Financial Modelling for Mortgages

Radu S. Tunaru

in Real-Estate Derivatives: From Econometrics to Financial Engineering

Published in print:
2017
Published Online:
May 2017
ISBN:
9780198742920
eISBN:
9780191802874
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780198742920.003.0003
Subject:
Economics and Finance, Econometrics, Financial Economics

The purpose of this chapter is to familiarize the reader with the concept of mortgages and to describe the behavioural factors behind decisions to prepay and default on mortgages that ultimately ... More


5 Lenders and Loss: The Destructive Legacy of Subprime Mortgages in Latino/a Communities

Steven W. Bender

in Tierra Y Libertad: Land, Liberty, and Latino Housing

Published in print:
2010
Published Online:
May 2016
ISBN:
9780814791257
eISBN:
9780814739136
Item type:
chapter
Publisher:
NYU Press
DOI:
10.18574/nyu/9780814791257.003.0006
Subject:
Law, Human Rights and Immigration

This chapter concludes the discussion of the history of loss in Latino/a housing with an overview of the recent subprime mortgage crisis—after decades of exclusion, Latino/as flirted briefly with ... More


Lessons of the Financial Crisis for Private- Label MBS

Mark Adelson

in The Handbook of Mortgage-Backed Securities: 7th Edition

Published in print:
2016
Published Online:
October 2016
ISBN:
9780198785774
eISBN:
9780191827594
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780198785774.003.0019
Subject:
Economics and Finance, Financial Economics, Macro- and Monetary Economics

This chapter discusses the lessons of the 2008 financial crisis for private-label mortgage-based securities (MBS). It considers both what happened in the general economy and evolution of the mortgage ... More


What to Do About Fannie and Freddie?

Edward L. Glaeser and Dwight M. Jaffee

in The Economists' Voice: Top Economists Take On Today's Problems

Published in print:
2011
Published Online:
November 2015
ISBN:
9780231143653
eISBN:
9780231527866
Item type:
chapter
Publisher:
Columbia University Press
DOI:
10.7312/columbia/9780231143653.003.0035
Subject:
Economics and Finance, Public and Welfare

This chapter focuses on the difficulties of the two government-backed bodies, Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Both ... More


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