Residential Construction Lending as a Service to the Community and Aid to Bank Growth
Author : R.D. Heckler
Publisher :
Page : 148 pages
File Size : 10,50 MB
Release : 1967
Category :
ISBN :
Author : R.D. Heckler
Publisher :
Page : 148 pages
File Size : 10,50 MB
Release : 1967
Category :
ISBN :
Author : Dan Immergluck
Publisher : Routledge
Page : 329 pages
File Size : 37,3 MB
Release : 2016-07-08
Category : Business & Economics
ISBN : 131549812X
This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
Page : 413 pages
File Size : 25,88 MB
Release : 2006-05-25
Category : Business & Economics
ISBN : 0815797842
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.
Author : Brad Meyer
Publisher :
Page : pages
File Size : 27,78 MB
Release : 2018-04
Category :
ISBN : 9780990992813
A construction loan is processed in very similar ways as with any other mortgage loan. Whether a new purchase or a refinance lending, all mortgage loans require an application, credit report, property appraisal, flood zone determination but there are some major differences when a residential new construction loan is processed. The improvements that were essential to establishing the value being used to finance the loan, don¿t yet exist. Consumers, builders and lenders must consider the construction contract, construction cost breakdown, plans and specifications, draw (progress) inspections, local permitting requirements, the certificate of occupancy, periodic funding to builders, retainage, how to prevent mechanic liens, and much more. Residential new construction loans are not complicated but do require the lender and consumer to consider structure decisions up front and meticulous tracking and monitoring throughout construction.
Author : Leo Grebler
Publisher :
Page : 92 pages
File Size : 49,58 MB
Release : 1953
Category : Technology & Engineering
ISBN :
Author : Valjean McLenighan
Publisher :
Page : 64 pages
File Size : 32,59 MB
Release : 1997
Category : Bank loans
ISBN :
Author : United States. Congress. Senate. Committee on Appropriations. Subcommittee on HUD-Independent Agencies
Publisher :
Page : 1168 pages
File Size : 43,81 MB
Release : 1978
Category : United States
ISBN :
Author :
Publisher :
Page : 38 pages
File Size : 39,40 MB
Release : 2009
Category : Banks and banking
ISBN :
Author : Jack W. Plunkett
Publisher : Plunkett Research, Ltd.
Page : 572 pages
File Size : 32,90 MB
Release : 2008-05
Category : Business & Economics
ISBN : 1593921128
Provides detailed analysis and statistics of all facets of the real estate and construction industry, including architecture, engineering, property management, finance, operations, mortgages, REITs, brokerage, construction and development. Includes profiles of nearly 400 firms.
Author : Deborah Cohen
Publisher :
Page : 72 pages
File Size : 25,13 MB
Release : 1980
Category : Federal home loan banks
ISBN :