Banks and other lenders rely oncredit bureausto providecredit reportsand credit scores on which to base their lending decisions. Credit scores are calculated using a variety of methodologies, but the higher the score, the better the person'screditworthinessis assumed to be. The most widely used c...
The article reports on the decision of institutional investors to refuse subprime loan applications of banks and other mortgage lenders in New Jersey in August 2007. Erik Kaiser, chairman of Remi Home Loans Inc., says that his firm chooses borrowers with A or Alt-A credit ratings. James Vacar...
with high default rates, dominance by specialized subprime lenders rather than full-service lenders, and little coverage by the secondary mortgage market. In... AC Cutts,RAV Order - 《Journal of Real Estate Finance & Economics》 被引量: 221发表: 2005年 Asymmetric Information in the Subprime Mor...
Because the money was so easy and the whole underwriting process became such a bottleneck, banks were all scrambling to farm out the underwriting aspects to lenders, brokers or other smaller banks because it impeded their intake. That, of course, is now going to change.They will also look ...
This analysis is subdivided into three sections which focus, in turn, on total lending within the city, on lending by major types of lenders, and on lending under targeted mortgage programs. The second major part of the text, together with Tables 12–20, examines detailed information on ...
The extensive punishment of debtors through foreclosure, and federal and state support for forbearance by lenders and loan servicers, are key features of the subprime mortgage crisis in the United States of America. From a Foucauldian perspective, foreclosure and forbearance give rise to questions abo...
If Black or Brown borrowers were permitted to own a home, higher interest rates guaranteed they would not get out from underneath the debilitating debt. Redlining mapped communities populated by Black persons, and this information signaled to mortgage lenders that these spaces were less than ...
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Waking from the American Dream: Expanding Fiduciary Duties to Secondary Lenders following the Subprime Mortgage Meltdown Soledad Aviles was a Mexican immigrant who, like most Americans, dreamed of one day owning his own home.'In 2006, Soledad realized that dream when he bought a three-bedroom hom...
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