Mortgage Credit Analysis for Mortgage Insurance on One- to Four-family Properties
Author:
Publisher:
Published: 1988
Total Pages: 88
ISBN-13:
DOWNLOAD EBOOKRead and Download eBook Full
Author:
Publisher:
Published: 1988
Total Pages: 88
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Department of Housing and Urban Development
Publisher:
Published: 1988
Total Pages:
ISBN-13:
DOWNLOAD EBOOKAuthor:
Publisher:
Published: 1988
Total Pages: 0
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Department of Housing and Urban Development
Publisher:
Published: 1988
Total Pages:
ISBN-13:
DOWNLOAD EBOOKAuthor:
Publisher:
Published: 1962
Total Pages: 12
ISBN-13:
DOWNLOAD EBOOKAuthor:
Publisher:
Published: 1978
Total Pages: 546
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Office of Housing Production and Mortgage Credit
Publisher:
Published: 1987
Total Pages: 252
ISBN-13:
DOWNLOAD EBOOKAuthor: Guy Stuart
Publisher: Cornell University Press
Published: 2018-07-05
Total Pages: 264
ISBN-13: 1501729969
DOWNLOAD EBOOKThe U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions.
Author: United States. Department of Housing and Urban Development
Publisher:
Published: 1992
Total Pages: 140
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Department of Housing and Urban Development
Publisher:
Published: 1982
Total Pages: 164
ISBN-13:
DOWNLOAD EBOOK