A History Of Mortgage Banking In The West PDF Download
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| Author | : E. Michael Rosser |
| Publisher | : University Press of Colorado |
| Total Pages | : 408 |
| Release | : 2017-10-15 |
| Genre | : History |
| ISBN | : 160732623X |
Download A History of Mortgage Banking in the West Book in PDF, ePub and Kindle
Part economic history, part public history, A History of Mortgage Banking in the West is an insider’s account of how the mortgage banking sector worked over the last 150 years, including analysis of the causes of the 2007 mortgage crisis. Beginning with the land and railroad development acts that encouraged settlement in the west, E. Michael Rosser and Diane M. Sanders trace the laws, institutions, and individuals that contributed to the economic growth of the region. Using Colorado and the west as a case study for the nation’s economic and property development as a whole since the late nineteenth century, Rosser and Sanders explain how farm mortgages and agricultural lending steadily gave way to urban development and housing mortgages, all while the large mortgage and investment firms financed the development of some of the state’s most important water resources and railroad networks. Rosser uses his personal experience as a lifelong practitioner and educator of mortgage banking, along with a plethora of primary sources, academic archives, and industry publications, to analyze the causes of economic booms and busts as they relate to real estate and development. Rosser’s professional acumen combined with Sanders’s research experience makes A History of Mortgage Banking in the West a rich and nuanced account of the region’s most significant economic events. It will be an important work for scholars and practitioners in regional and financial history, mortgage market practice and development, government housing and mortgage policy, and financial stability and of great significance to anyone curious about the role of the federal government in national housing policy and the inherent risk in mortgages.
| Author | : Judge Earl Glock |
| Publisher | : Columbia University Press |
| Total Pages | : 217 |
| Release | : 2021-04-06 |
| Genre | : History |
| ISBN | : 0231549857 |
Download The Dead Pledge Book in PDF, ePub and Kindle
The American government today supports a financial system based on mortgage lending, and it often bails out the financial institutions making these mortgages. The Dead Pledge reveals the surprising origins of American mortgages and American bailouts in policies dating back to the early twentieth century. Judge Glock shows that the federal government began subsidizing mortgages in order to help lagging sectors of the economy, such as farming and construction. In order to encourage mortgage lending, the government also extended unprecedented assistance to banks. During the Great Depression, the federal government made new mortgage lending and bank bailouts the centerpiece of its recovery program. Both the Herbert Hoover and Franklin Roosevelt administrations created semipublic financial institutions, such as Fannie Mae, to provide cheap, tradable mortgages, and they extended guarantees to more banks and financiers. Ultimately, Glock argues, the desire to protect the financial system took precedence over the desire to help lagging parts of the economy, and the government became ever more tied into the financial world. The Dead Pledge recasts twentieth-century economic, financial, and political history and demonstrates why the greatest “safety net” created in this era was the one supporting finance.
| Author | : Charles W. Calomiris |
| Publisher | : Princeton University Press |
| Total Pages | : 584 |
| Release | : 2015-08-04 |
| Genre | : Business & Economics |
| ISBN | : 0691168350 |
Download Fragile by Design Book in PDF, ePub and Kindle
Why stable banking systems are so rare Why are banking systems unstable in so many countries—but not in others? The United States has had twelve systemic banking crises since 1840, while Canada has had none. The banking systems of Mexico and Brazil have not only been crisis prone but have provided miniscule amounts of credit to business enterprises and households. Analyzing the political and banking history of the United Kingdom, the United States, Canada, Mexico, and Brazil through several centuries, Fragile by Design demonstrates that chronic banking crises and scarce credit are not accidents. Calomiris and Haber combine political history and economics to examine how coalitions of politicians, bankers, and other interest groups form, why they endure, and how they generate policies that determine who gets to be a banker, who has access to credit, and who pays for bank bailouts and rescues. Fragile by Design is a revealing exploration of the ways that politics inevitably intrudes into bank regulation.
| Author | : James R. Hagerty |
| Publisher | : Arcadia Publishing |
| Total Pages | : 241 |
| Release | : 2012-09-04 |
| Genre | : Business & Economics |
| ISBN | : 1614236992 |
Download The Fateful History of Fannie Mae Book in PDF, ePub and Kindle
“A lucid and meticulously reported book by one of the Wall Street Journal’s ace reporters” (George Anders, Forbes contributor and author of The Rare Find). In 1938, the administration of Franklin Delano Roosevelt created a small agency called Fannie Mae. Intended to make home loans more accessible, the agency was born of the Great Depression and a government desperate to revive housing construction. It was a minor detail of the New Deal, barely recorded by the newspapers of the day. Over the next seventy years, Fannie Mae evolved into one of the largest financial companies in the world, owned by private shareholders but with its nearly $1 trillion of debt effectively guaranteed by the government. Almost from the beginning, critics repeatedly warned that Fannie was an accident waiting to happen. Then, in 2008, the housing market collapsed. Amid a wave of foreclosures, the company’s capital began to run out, and the US Treasury seized control. From the New Deal to President Obama’s administration, James R. Hagerty explains this fascinating but little-understood saga. Based on the author’s reporting for the Wall Street Journal, personal research, and interviews with executives, regulators, and congressional leaders, The Fateful History of Fannie Mae, he explains the politics, economics, and human frailties behind seven decades of missed opportunities to prevent a financial disaster.
| Author | : Charles R. Geisst |
| Publisher | : Brookings Institution Press |
| Total Pages | : 275 |
| Release | : 2017-04-04 |
| Genre | : Business & Economics |
| ISBN | : 0815729014 |
Download Loan Sharks Book in PDF, ePub and Kindle
Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the period from the Civil War to the onset of the early decades of the twentieth century. Newspapers called the practice “loan sharking” because lenders employed the same ruthlessness as the great predators in the ocean. Slowly state and federal governments adopted laws and regulations curtailing the practice, but organized crime continued to operate much of the business. In the end, lending to high-margin investors contributed directly to the Wall Street crash of 1929. Loan Sharks is the first history of predatory lending in the United States. It traces the origins of modern consumer lending to such older practices as salary buying and hidden interest charges. Yet, as Geisst shows, no-holds barred loan sharking is not a thing of the past. Many current lending practices employed today by credit card companies, payday lenders, and providers of consumer loans would have been easily recognizable at the end of the nineteenth century. Geisst demonstrates the still prevalent custom of lenders charging high interest rates, especially to risky borrowers, despite attempts to control the practice by individual states. Usury and loan sharking have not disappeared a century and a half after the predatory practices first raised public concern.
| Author | : Charles W. Calomiris |
| Publisher | : Aei Press |
| Total Pages | : 75 |
| Release | : 1999-01-01 |
| Genre | : Business & Economics |
| ISBN | : 9780844771250 |
Download High Loan-to-value Mortgage Lending Book in PDF, ePub and Kindle
The authors weigh the functions of this industry, its practices and policies, and the changing nature of the consumer finance marketplace to determine whether limiting such lending would serve the public interest.
| Author | : Kirsten Grind |
| Publisher | : Simon and Schuster |
| Total Pages | : 401 |
| Release | : 2013-07-16 |
| Genre | : Business & Economics |
| ISBN | : 1451617933 |
Download The Lost Bank Book in PDF, ePub and Kindle
Based on reporting for which the author was named a finalist for the Pulitzer Prize and the Gerald Loeb Award, this book traces the rise and spectacular fall of Washington Mutual.
| Author | : Carter Harry Golembe |
| Publisher | : Beaufort Books |
| Total Pages | : 530 |
| Release | : 1978 |
| Genre | : Business & Economics |
| ISBN | : |
Download State Banks and the Economic Development of the West, 1830-44 Book in PDF, ePub and Kindle
| Author | : Various |
| Publisher | : Routledge |
| Total Pages | : 10558 |
| Release | : 2021-12-02 |
| Genre | : Business & Economics |
| ISBN | : 1136264922 |
Download Routledge Library Editions: Banking & Finance Book in PDF, ePub and Kindle
Current interest in the history of money and banking remains strong and it is opportune to survey developments both in the UK, USA, Europe and Asia. This set provides historical analysis which incorporates research from the early twentieth century onwards in a form that is both accessible to students of money & banking and economists, economic historians and bankers This set re-issues 38 volumes originally published between 1900 and 2000. It charts the history of early banking, discusses banking in the UK, Europe,Japan and the USA, analyses banks as multinationals, the UK mortgage market, banking policy and structure and examines specific sectors such as gilts and gold.
| Author | : T. E. Bowman |
| Publisher | : Forgotten Books |
| Total Pages | : 52 |
| Release | : 2015-06-15 |
| Genre | : Business & Economics |
| ISBN | : 9781330318775 |
Download Some Facts About the Western Mortgage Business Book in PDF, ePub and Kindle
Excerpt from Some Facts About the Western Mortgage Business: Its History and Its Outlook To such of our investors as are busy men, an apology is due for submitting them this lengthy pamphlet. We have lately had inquiries from so many correspondents who are the owners of defaulted mortgages made through companies that are out of business, desiring all possible information on the various phases and present condition of the subject, that it has seemed impossible to give the full information desired in an abridged form. While this is written, first, in the interests of ourselves and our investors, it is submitted with the hope, also, that it may prove of some value to others, who are neither interested in us or our investments. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.
