The American Mortgage System : : Crisis and Reform / / ed. by Marvin M. Smith, Susan M. Wachter.
Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble...
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Place / Publishing House: | Philadelphia : : University of Pennsylvania Press, , [2011] ©2011 |
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The American Mortgage System : Crisis and Reform / ed. by Marvin M. Smith, Susan M. Wachter. Philadelphia : University of Pennsylvania Press, [2011] ©2011 1 online resource (400 p.) : 48 illus. text txt rdacontent computer c rdamedia online resource cr rdacarrier text file PDF rda The City in the Twenty-First Century Frontmatter -- Contents -- Introduction -- PART I. Crisis: Origins and Solutions -- Chapter 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- Chapter 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- Chapter 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- Chapter 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- Chapter 5 A Framework for Consumer Protection in Home Mortgage Lending -- PART II. Community Impact -- Chapter 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- Chapter 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- Chapter 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- Chapter 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- PART III. Reforming the Financial Architecture -- Chapter 1 0 Information Failure and the U.S. Mortgage Crisis -- Chapter 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- Chapter 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- Chapter 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- Chapter 1 4 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- Chapter 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- Contributors -- Index -- Acknowledgments restricted access http://purl.org/coar/access_right/c_16ec online access with authorization star Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures.Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending.Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy. Issued also in print. Mode of access: Internet via World Wide Web. In English. Description based on online resource; title from PDF title page (publisher's Web site, viewed 24. Apr 2022) Financial crises -- United States. Mortgage loans -- United States. Secondary mortgage market -- United States. Subprime mortgage loans -- United States. Economics. BUSINESS & ECONOMICS / Real Estate / General. bisacsh Business. Political Science. Public Policy. Barr, Michael S., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Calem, Paul S., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Dechario, Toni, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Dokko, Jane K., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Ellen, Ingrid Gould, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Engel, Kathleen, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Fisher, Lynn, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Fitzpatrick, IV, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Foote, Christopher L., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Gerardi, Kristopher S., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Kane, Edward J., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Keys, Benjamin J., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Laderman, Elizabeth, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Lambie-Hanson, Lauren, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Levitin, Adam J., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Mosser, Patricia C., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Nakamura, Leonard, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Quercia, Roberto G., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Reid, Carolina, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Reinhart, Vincent, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Riley, Sarah F., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Smith, Marvin M., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Smith, Marvin M., editor. edt http://id.loc.gov/vocabulary/relators/edt Tracy, Joseph, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Tye, John Napier, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Van Order, Robert, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Vickery, James, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Wachter, Susan M., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Wachter, Susan M., editor. edt http://id.loc.gov/vocabulary/relators/edt Willen, Paul S., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Willis, Mark A., contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Wright, Joshua, contributor. ctb https://id.loc.gov/vocabulary/relators/ctb Title is part of eBook package: De Gruyter Penn Press eBook Package Complete Collection 9783110413458 Title is part of eBook package: De Gruyter Penn Press eBook Package Social Sciences 9783110413618 Title is part of eBook package: De Gruyter University of Pennsylvania Backlist eBook-Package 2000-2013 9783110459548 print 9780812243512 https://doi.org/10.9783/9780812204308 https://www.degruyter.com/isbn/9780812204308 Cover https://www.degruyter.com/document/cover/isbn/9780812204308/original |
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Barr, Michael S., Barr, Michael S., Calem, Paul S., Calem, Paul S., Dechario, Toni, Dechario, Toni, Dokko, Jane K., Dokko, Jane K., Ellen, Ingrid Gould, Ellen, Ingrid Gould, Engel, Kathleen, Engel, Kathleen, Fisher, Lynn, Fisher, Lynn, Fitzpatrick, IV, Fitzpatrick, IV, Foote, Christopher L., Foote, Christopher L., Gerardi, Kristopher S., Gerardi, Kristopher S., Kane, Edward J., Kane, Edward J., Keys, Benjamin J., Keys, Benjamin J., Laderman, Elizabeth, Laderman, Elizabeth, Lambie-Hanson, Lauren, Lambie-Hanson, Lauren, Levitin, Adam J., Levitin, Adam J., Mosser, Patricia C., Mosser, Patricia C., Nakamura, Leonard, Nakamura, Leonard, Quercia, Roberto G., Quercia, Roberto G., Reid, Carolina, Reid, Carolina, Reinhart, Vincent, Reinhart, Vincent, Riley, Sarah F., Riley, Sarah F., Smith, Marvin M., Smith, Marvin M., Smith, Marvin M., Smith, Marvin M., Tracy, Joseph, Tracy, Joseph, Tye, John Napier, Tye, John Napier, Van Order, Robert, Van Order, Robert, Vickery, James, Vickery, James, Wachter, Susan M., Wachter, Susan M., Wachter, Susan M., Wachter, Susan M., Willen, Paul S., Willen, Paul S., Willis, Mark A., Willis, Mark A., Wright, Joshua, Wright, Joshua, |
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author_sort |
Barr, Michael S., |
title |
The American Mortgage System : Crisis and Reform / |
spellingShingle |
The American Mortgage System : Crisis and Reform / The City in the Twenty-First Century Frontmatter -- Contents -- Introduction -- PART I. Crisis: Origins and Solutions -- Chapter 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- Chapter 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- Chapter 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- Chapter 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- Chapter 5 A Framework for Consumer Protection in Home Mortgage Lending -- PART II. Community Impact -- Chapter 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- Chapter 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- Chapter 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- Chapter 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- PART III. Reforming the Financial Architecture -- Chapter 1 0 Information Failure and the U.S. Mortgage Crisis -- Chapter 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- Chapter 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- Chapter 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- Chapter 1 4 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- Chapter 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- Contributors -- Index -- Acknowledgments |
title_sub |
Crisis and Reform / |
title_full |
The American Mortgage System : Crisis and Reform / ed. by Marvin M. Smith, Susan M. Wachter. |
title_fullStr |
The American Mortgage System : Crisis and Reform / ed. by Marvin M. Smith, Susan M. Wachter. |
title_full_unstemmed |
The American Mortgage System : Crisis and Reform / ed. by Marvin M. Smith, Susan M. Wachter. |
title_auth |
The American Mortgage System : Crisis and Reform / |
title_alt |
Frontmatter -- Contents -- Introduction -- PART I. Crisis: Origins and Solutions -- Chapter 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- Chapter 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- Chapter 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- Chapter 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- Chapter 5 A Framework for Consumer Protection in Home Mortgage Lending -- PART II. Community Impact -- Chapter 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- Chapter 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- Chapter 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- Chapter 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- PART III. Reforming the Financial Architecture -- Chapter 1 0 Information Failure and the U.S. Mortgage Crisis -- Chapter 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- Chapter 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- Chapter 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- Chapter 1 4 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- Chapter 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- Contributors -- Index -- Acknowledgments |
title_new |
The American Mortgage System : |
title_sort |
the american mortgage system : crisis and reform / |
series |
The City in the Twenty-First Century |
series2 |
The City in the Twenty-First Century |
publisher |
University of Pennsylvania Press, |
publishDate |
2011 |
physical |
1 online resource (400 p.) : 48 illus. Issued also in print. |
contents |
Frontmatter -- Contents -- Introduction -- PART I. Crisis: Origins and Solutions -- Chapter 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- Chapter 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- Chapter 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- Chapter 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- Chapter 5 A Framework for Consumer Protection in Home Mortgage Lending -- PART II. Community Impact -- Chapter 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- Chapter 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- Chapter 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- Chapter 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- PART III. Reforming the Financial Architecture -- Chapter 1 0 Information Failure and the U.S. Mortgage Crisis -- Chapter 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- Chapter 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- Chapter 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- Chapter 1 4 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- Chapter 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- Contributors -- Index -- Acknowledgments |
isbn |
9780812204308 9783110413458 9783110413618 9783110459548 9780812243512 |
url |
https://doi.org/10.9783/9780812204308 https://www.degruyter.com/isbn/9780812204308 https://www.degruyter.com/document/cover/isbn/9780812204308/original |
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Crisis: Origins and Solutions -- </subfield><subfield code="t">Chapter 1 The Secondary Market for Housing Finance in the United States: A Brief Overview -- </subfield><subfield code="t">Chapter 2 Reasonable People Did Disagree: Optimism and Pessimism About the U.S. Housing Market Before the Crash -- </subfield><subfield code="t">Chapter 3 Exploring the Determinants of High-Cost Mortgages to Homeowners in Low- and Moderate-Income Neighborhoods -- </subfield><subfield code="t">Chapter 4 Implications of the Housing Market Bubble for Sustainable Homeownership -- </subfield><subfield code="t">Chapter 5 A Framework for Consumer Protection in Home Mortgage Lending -- </subfield><subfield code="t">PART II. Community Impact -- </subfield><subfield code="t">Chapter 6 A Profile of the Mortgage Crisis in a Low- and Moderate-Income Community -- </subfield><subfield code="t">Chapter 7 Constructive Credit: Revisiting the Performance of Community Reinvestment Act Lending During the Subprime Crisis -- </subfield><subfield code="t">Chapter 8 Navigating the Housing Downturn and Financial Crisis: Home Appreciation and Equity Accumulation Among Community Reinvestment Homeowners -- </subfield><subfield code="t">Chapter 9 The Community Reinvestment Act: Evaluating Past Performance and Reviewing Options for Reform -- </subfield><subfield code="t">PART III. Reforming the Financial Architecture -- </subfield><subfield code="t">Chapter 1 0 Information Failure and the U.S. Mortgage Crisis -- </subfield><subfield code="t">Chapter 11 The Expanding Financial Safety Net: The Dodd-Frank Act as an Exercise in Denial and Cover-Up -- </subfield><subfield code="t">Chapter 12 A Private Lender Cooperative Model for Residential Mortgage Finance -- </subfield><subfield code="t">Chapter 13 Improving U.S. Housing Finance Through Reform of Fannie Mae and Freddie Mac: A Framework for Evaluating Alternatives -- </subfield><subfield code="t">Chapter 1 4 Some Thoughts on What to Do with Fannie Mae and Freddie Mac -- </subfield><subfield code="t">Chapter 15 The Road Not Taken: Our Failure in Redoing the Financial Architecture -- </subfield><subfield code="t">Contributors -- </subfield><subfield code="t">Index -- </subfield><subfield code="t">Acknowledgments</subfield></datafield><datafield tag="506" ind1="0" ind2=" "><subfield code="a">restricted access</subfield><subfield code="u">http://purl.org/coar/access_right/c_16ec</subfield><subfield code="f">online access with authorization</subfield><subfield code="2">star</subfield></datafield><datafield tag="520" ind1=" " ind2=" "><subfield code="a">Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and Reform focuses on the causes of the housing market collapse and proposes solutions to prevent another rash of foreclosures.Edited by two leaders in the field of real estate and finance, Susan M. Wachter and Marvin M. Smith, The American Mortgage System examines key elements of the mortgage meltdown. The volume's contributors address the influence of the Community Reinvestment Act, which is often blamed for the crisis. They uncover how the government-sponsored enterprises Fannie Mae and Freddie Mac invested outside the housing market with disastrous results. They present surprising information about low-income borrowers and the strengths of local banks. This collection of thoughtful studies includes extensive analysis of loan practices and the creation of unstable mortgage securities, presenting data largely unavailable until now. More than a critique, The American Mortgage System offers solutions to the problems facing the future of American home ownership, including identifying asset price bubbles, calculating risk, and preventing discrimination in lending.Measured yet timely and by turns provocative, The American Mortgage System provides a careful assessment of a troubled but indispensable part of the economic and social structure of the United States. This book is a sound investment for economists, urban planners, and all who shape public policy.</subfield></datafield><datafield tag="530" ind1=" " ind2=" "><subfield code="a">Issued also in print.</subfield></datafield><datafield tag="538" ind1=" " ind2=" "><subfield code="a">Mode of access: Internet via World Wide Web.</subfield></datafield><datafield tag="546" ind1=" " ind2=" "><subfield code="a">In English.</subfield></datafield><datafield tag="588" ind1="0" ind2=" "><subfield code="a">Description based on online resource; title from PDF title page (publisher's Web site, viewed 24. Apr 2022)</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Financial crises -- United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Mortgage loans -- United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Secondary mortgage market -- United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Subprime mortgage loans -- United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Economics.</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">BUSINESS & ECONOMICS / Real Estate / General.</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Business.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Economics.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Political Science.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Public Policy.</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Barr, Michael S., </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Calem, Paul S., </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Dechario, Toni, </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Dokko, Jane K., </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Ellen, Ingrid Gould, </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Engel, Kathleen, </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Fisher, Lynn, </subfield><subfield code="e">contributor.</subfield><subfield code="4">ctb</subfield><subfield code="4">https://id.loc.gov/vocabulary/relators/ctb</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Fitzpatrick, IV, </subfield><subfield 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