Countrywide Home Loan Review

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

When lumber prices soared in 1992 and 1993, innovative contractors and architects began to explore alternative building methods, leading some to experiment with the new concrete homebuilding systems. Many were surprised to discover that not only did CHS homes measure up to traditional wood-frame houses, they outperformed them in many areas. And despite the reputation of concrete-based homes of the past, these amazing new CHS homes can be aesthetically breathtaking. The advantages of CHS homes are compelling and undeniable: CHS homes are, in many cases, cheaper and easier to build than frame homes. Quality control is more easily achieved because much of the work is done in advance, away from the construction site. CHS homes survive disasters such as fire, hurricanes, tornadoes, earthquakes, and floods far better than their wood frame counterparts. They are an environmentally friendly alternative to traditional wood-intensive construction methods. They are more energy efficient. CHS homes offer a wide range of novel and aesthetically striking designs. The result of a study of CHS techniques for several trade associations, this one-of-a-kind book thoroughly examines what may be the construction archetype of the next century. After presenting the advantages of CHS, it provides an in-depth discussion of factors to consider in choosing from among mortared block, mortarless block, poured concrete, or sprayed concrete. Other areas explored thoroughly here include materials, labor, and supervision costs; CHS product and labor availability; project logistics; market appeal of CHS homes; and the important decision of when to make the CHS leap and where to build what is sure to become aneye-catching showcase. Reviewed by trade association experts for technical accuracy, this incomparable book draws heavily from actual builders' real-world experiences with CHS homes.

Home equity loan - A home equity loan is a type of loan in which the borrower uses the equity in his home as collateral. These loans are sometimes useful for families to help finance major home repairs, medical bills or college educations.

Federal Home Loan Banks - The Federal Home Loan Banks are an essential source of stable, low-cost funds to American financial institutions for home mortgage, small business, rural and agricultural loans. With their members, the FHLBanks represent the largest source of home mortgage and community credit.

Home Owners Loan Corporation - The Home Owners Loan Corporation was a New Deal agency established in 1933 to refinance homes to prevent foreclosure. It was usually used to extend loans from shorter, expensive payments of the 15 years to the lower payments of the 30 year loans.

Federal Home Loan Mortgage Corporation - The Federal Home Loan Mortgage Corporation ("Freddie Mac") is a stockholder-owned, publicly-traded company chartered by the United States federal government in 1970 to purchase mortgages and related securities, and then issue securities and bonds in financial markets backed by those mortgages in secondary markets. Freddie Mac, like its competitor Fannie Mae is regulated by the Office of Federal Housing Enterprise Oversight (OFHEO) in the United States Department of Housing and Urban Development.

countrywidehomeloanreview

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