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Debt and Recovery: New Deal Housing Policy and the Making of National Mortgage Markets

Louis Hyman

in Debtor Nation: The History of America in Red Ink

Published in print:
2011
Published Online:
October 2017
ISBN:
9780691140681
eISBN:
9781400838400
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691140681.003.0003
Subject:
History, American History: 20th Century

This chapter discusses the New Deal housing policy and the making of national mortgage markets. Though Franklin Roosevelt was sympathetic to housing the poor, his policies aimed, primarily, to grow ... More


Banks and Notaries

Philip T. Hoffman, Gilles Postel-Vinay, and Jean-Laurent Rosenthal

in Dark Matter Credit

Published in print:
2019
Published Online:
May 2019
ISBN:
9780691182179
eISBN:
9780691185057
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691182179.003.0008
Subject:
Business and Management, Business History

This chapter shows that there were two conceivable ways that banks could have engaged in lending. First, they could have entered the mortgage market as lenders but not relied on a notary to do ... More


The Future of the Government-Sponsored Enterprises: The Role for Government in the US Mortgage Market

Dwight Jaffee and John M. Quigley

in Housing and the Financial Crisis

Published in print:
2013
Published Online:
January 2014
ISBN:
9780226030586
eISBN:
9780226030616
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226030616.003.0009
Subject:
Economics and Finance, Financial Economics

This chapter focuses on the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac. It first discusses the background and origin of the GSEs, the evolution of their structure as a ... More


Company Governance and the Financial Crisis

Thomas H. Stanton

in Why Some Firms Thrive While Others Fail: Governance and Management Lessons from the Crisis

Published in print:
2012
Published Online:
September 2012
ISBN:
9780199915996
eISBN:
9780199950324
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199915996.003.0004
Subject:
Economics and Finance, Financial Economics

Chapter 4 addresses governance and the financial crisis. Successful firms had strong CEOs who invited constructive dialogue, from the board of directors, their management team, and their risk ... More


The globalisation of the mortgage market

Stuart Lowe

in The Housing Debate

Published in print:
2011
Published Online:
May 2012
ISBN:
9781847422736
eISBN:
9781447305514
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781847422736.003.0007
Subject:
Sociology, Urban and Rural Studies

A revolution in global finance following bank liberalisation in the 1980s and the invention of new methods of bundling debts into bonds — through the process of securitization — enabled banks to ... More


Mortgage Markets: International

Kyung-Hwan Kim and Man Cho

in Public Real Estate Markets and Investments

Published in print:
2014
Published Online:
September 2014
ISBN:
9780199993277
eISBN:
9780199395767
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199993277.003.0006
Subject:
Economics and Finance, Financial Economics

Mortgage markets differ across countries in terms of size, institutional and legal structures, and the extent and modality of government intervention. This chapter begins by briefly reviewing ... More


The Housing Debate

Stuart Lowe

Published in print:
2011
Published Online:
May 2012
ISBN:
9781847422736
eISBN:
9781447305514
Item type:
book
Publisher:
Policy Press
DOI:
10.1332/policypress/9781847422736.001.0001
Subject:
Sociology, Urban and Rural Studies

A key theme in this book is the idea that ‘housing’ is particularly in need of analysis over long time periods and how, as a result, it acts to embed social and political cultures. The first part of ... More


Mortgage Financing in the Housing Boom and Bust

Benjamin J. Keys, Tomasz Piskorski, Amit Seru, and Vikrant Vig

in Housing and the Financial Crisis

Published in print:
2013
Published Online:
January 2014
ISBN:
9780226030586
eISBN:
9780226030616
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226030616.003.0005
Subject:
Economics and Finance, Financial Economics

This chapter traces the rapid evolution of mortgage financing from boom to bust and explores two crucial questions surrounding the market's rise and fall. First, why did the lending boom occur in the ... More


America’s Financial Crisis: The End of an Era

Barry Bosworth and Aaron Flaaen

in The Global Financial Crisis and Asia: Implications and Challenges

Published in print:
2012
Published Online:
January 2013
ISBN:
9780199660957
eISBN:
9780191748981
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199660957.003.0002
Subject:
Economics and Finance, Financial Economics, South and East Asia

This chapter reviews research on the origins of the financial crisis of 2008–2009, highlights the key events that triggered a financial panic in September 2008, and summarizes the extraordinary ... More


Housing and welfare states

Stuart Lowe

in The Housing Debate

Published in print:
2011
Published Online:
May 2012
ISBN:
9781847422736
eISBN:
9781447305514
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781847422736.003.0006
Subject:
Sociology, Urban and Rural Studies

Housing was neglected in the comparative welfare state literature until very recently. The reason for this appears to relate to some of ‘housing's’ characteristics, particularly that it is found ... More


A Return to Securitization

Sarah L. Quinn

in American Bonds: How Credit Markets Shaped a Nation

Published in print:
2019
Published Online:
January 2020
ISBN:
9780691156750
eISBN:
9780691185613
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691156750.003.0009
Subject:
Political Science, American Politics

This chapter discusses the distributional politics of mortgage markets and securitization in the postwar era and explains their transformation in the 1960s as the Federal National Mortgage ... More


Crisis and Innovation in the Housing Economy: A Tale of Three Markets

Michael Haliassos

in Financial Innovation: Too Much or Too Little?

Published in print:
2013
Published Online:
January 2015
ISBN:
9780262018296
eISBN:
9780262305495
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262018296.003.0004
Subject:
Economics and Finance, Financial Economics

It is generally agreed that the crises of the mid-2000s were triggered, in part, by the failures of financial innovation in the housing economy. In relation to the securitisation of mortgages, and ... More


Mortgage Markets: The United States

Eric S. Belsky

in Public Real Estate Markets and Investments

Published in print:
2014
Published Online:
September 2014
ISBN:
9780199993277
eISBN:
9780199395767
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199993277.003.0005
Subject:
Economics and Finance, Financial Economics

This chapter examines the evolution of the structure, conduct, and performance of mortgage markets in the United States. It traces federal interventions in the mortgage markets from the 1930s to the ... More


Mortgage Loans to Mortgage-Backed Securities

Bill Berliner, Adam Quinones, and Anand Bhattacharya

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/9780198785774.003.0001
Subject:
Economics and Finance, Financial Economics, Macro- and Monetary Economics

This introductory chapter offers an overview of how the modern US mortgage market was formed and describes how it operates. It discusses the market’s history and development, as well as details ... More


Impact of the Credit Crisis on Mortgage-Backed Securities

Andrew S. Carron, Anne Gron, and Thomas Schopflocher

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/9780198785774.003.0005
Subject:
Economics and Finance, Financial Economics, Macro- and Monetary Economics

This chapter examines the subprime crisis of 2007 and the larger credit crisis which adversely affected residential mortgage-backed securities (RMBS), particularly those backed by mortgages of lower ... More


The Problem and Promise of Credit in American Life

Sarah L. Quinn

in American Bonds: How Credit Markets Shaped a Nation

Published in print:
2019
Published Online:
January 2020
ISBN:
9780691156750
eISBN:
9780691185613
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691156750.003.0001
Subject:
Political Science, American Politics

This introductory chapter provides a background of America's real estate markets. Already by 1890, nearly half of U.S. households were owner-occupied, and a staggering four-fifths of farming ... More


Risk Allocation in Home Ownership: Revisiting the Role of Mortgage Contract Terms

Katherine Porter and Tara Twomey

in Shared Responsibility, Shared Risk: Government, Markets and Social Policy in the Twenty-First Century

Published in print:
2012
Published Online:
February 2015
ISBN:
9780199781911
eISBN:
9780190252519
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199781911.003.0008
Subject:
Political Science, American Politics

This chapter examines risk allocation in home ownership. After providing a historical background on home ownership in the United States, it explains the role of government in mortgage risk management ... More


Prelude to the Storm

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/9780195388824.003.0004
Subject:
Business and Management, Political Economy

This chapter describes the events leading up to the subprime crisis. These include the bankruptcy of two large subprime lenders in December 2006: Ownit Mortgage Solutions in California, and Sebring ... More


Housing and Mortgage Market Excess

Andrew Farlow

in Crash and Beyond: Causes and Consequences of the Global Financial Crisis

Published in print:
2013
Published Online:
April 2015
ISBN:
9780199578016
eISBN:
9780191808623
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:osobl/9780199578016.003.0002
Subject:
Economics and Finance, Financial Economics

This chapter examines how excesses in the global housing and mortgage markets contributed to the financial crisis of 2008. It begins by considering the enthusiasm for real estate worldwide in the ... More


Housing and mortgage markets in the everyday: how globalisation came home

Stuart Lowe

in Social Policy in an Era of Competition: From Global to Local Perspectives

Published in print:
2017
Published Online:
January 2020
ISBN:
9781447326274
eISBN:
9781447326328
Item type:
chapter
Publisher:
Policy Press
DOI:
10.1332/policypress/9781447326274.003.0005
Subject:
Political Science, Comparative Politics

This chapter focuses on the globalisation and liberalisation of mortgage markets. What has happened is that the mortgage market has become a conduit between global finance and the everyday. The home ... More


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