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| Author | : Clement Lowell Harriss |
| Publisher | : |
| Total Pages | : 236 |
| Release | : 1951 |
| Genre | : Business & Economics |
| ISBN | : |
| Author | : Price V. Fishback |
| Publisher | : University of Chicago Press |
| Total Pages | : 190 |
| Release | : 2013-10-04 |
| Genre | : Business & Economics |
| ISBN | : 022608258X |
The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
| Author | : United States |
| Publisher | : |
| Total Pages | : 24 |
| Release | : 1934 |
| Genre | : |
| ISBN | : |
| Author | : Richard Rothstein |
| Publisher | : Liveright Publishing |
| Total Pages | : 246 |
| Release | : 2017-05-02 |
| Genre | : Social Science |
| ISBN | : 1631492861 |
New York Times Bestseller • Notable Book of the Year • Editors' Choice Selection One of Bill Gates’ “Amazing Books” of the Year One of Publishers Weekly’s 10 Best Books of the Year Longlisted for the National Book Award for Nonfiction An NPR Best Book of the Year Winner of the Hillman Prize for Nonfiction Gold Winner • California Book Award (Nonfiction) Finalist • Los Angeles Times Book Prize (History) Finalist • Brooklyn Public Library Literary Prize This “powerful and disturbing history” exposes how American governments deliberately imposed racial segregation on metropolitan areas nationwide (New York Times Book Review). Widely heralded as a “masterful” (Washington Post) and “essential” (Slate) history of the modern American metropolis, Richard Rothstein’s The Color of Law offers “the most forceful argument ever published on how federal, state, and local governments gave rise to and reinforced neighborhood segregation” (William Julius Wilson). Exploding the myth of de facto segregation arising from private prejudice or the unintended consequences of economic forces, Rothstein describes how the American government systematically imposed residential segregation: with undisguised racial zoning; public housing that purposefully segregated previously mixed communities; subsidies for builders to create whites-only suburbs; tax exemptions for institutions that enforced segregation; and support for violent resistance to African Americans in white neighborhoods. A groundbreaking, “virtually indispensable” study that has already transformed our understanding of twentieth-century urban history (Chicago Daily Observer), The Color of Law forces us to face the obligation to remedy our unconstitutional past.
| Author | : Deborah Cohen |
| Publisher | : |
| Total Pages | : 72 |
| Release | : 1980 |
| Genre | : Federal home loan banks |
| ISBN | : |
| Author | : Rebecca K. Marchiel |
| Publisher | : University of Chicago Press |
| Total Pages | : 321 |
| Release | : 2021-09-05 |
| Genre | : Business & Economics |
| ISBN | : 0226815862 |
"The story of how American banks helped disenfranchise nonwhite urbanities and condemn to blight the very neighborhoods that needed the most investment is infuriating. And yet, by digging into the history of urban finance, Rebecca Marchiel here illuminates how urban activists changed some banks' behavior to support investment in communities that they had once abandoned. These developments, in turn, affected federal urban policy and reshaped banks' understanding of the role that urban communities play in the financial system. The legacy of reinvestment activism is clouded, but Marchiel's detailing of it transforms our understanding of the history and significance of community/bank relations"--Provided by publisher.
| Author | : Richard K. Green |
| Publisher | : Academic Press |
| Total Pages | : 249 |
| Release | : 2013-11-21 |
| Genre | : Business & Economics |
| ISBN | : 0124045936 |
In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. Written for buyers of real estate, not mortgage lenders Balances theory with increasingly complex practices of commercial and residential mortgage lending Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
| Author | : David M. P. Freund |
| Publisher | : University of Chicago Press |
| Total Pages | : 528 |
| Release | : 2010-04-13 |
| Genre | : Social Science |
| ISBN | : 0226262774 |
Northern whites in the post–World War II era began to support the principle of civil rights, so why did many of them continue to oppose racial integration in their communities? Challenging conventional wisdom about the growth, prosperity, and racial exclusivity of American suburbs, David M. P. Freund argues that previous attempts to answer this question have overlooked a change in the racial thinking of whites and the role of suburban politics in effecting this change. In Colored Property, he shows how federal intervention spurred a dramatic shift in the language and logic of residential exclusion—away from invocations of a mythical racial hierarchy and toward talk of markets, property, and citizenship. Freund begins his exploration by tracing the emergence of a powerful public-private alliance that facilitated postwar suburban growth across the nation with federal programs that significantly favored whites. Then, showing how this national story played out in metropolitan Detroit, he visits zoning board and city council meetings, details the efforts of neighborhood “property improvement” associations, and reconstructs battles over race and housing to demonstrate how whites learned to view discrimination not as an act of racism but as a legitimate response to the needs of the market. Illuminating government’s powerful yet still-hidden role in the segregation of U.S. cities, Colored Property presents a dramatic new vision of metropolitan growth, segregation, and white identity in modern America.
| Author | : George T. Blakey |
| Publisher | : University Press of Kentucky |
| Total Pages | : 271 |
| Release | : 2014-07-15 |
| Genre | : History |
| ISBN | : 0813162130 |
The Great Depression and the New Deal touched the lives of almost every Kentuckian during the 1930s. Fifty years later the Commonwealth is still affected by the legacies of that era and the policies of the Roosevelt administration. George T. Blakey has written the first full study of this turbulent decade in Kentucky, and he offers a fresh perspective on the New Deal programs by viewing them from the local and state level rather than from Washington. Thousands of Kentuckians worked for New Deal programs such as the Civilian Conservation Corps and the Works Projects Administration; thousands more kept their homes through loans from the Home Owners Loan Corporation. Tobacco growers adopted new production techniques and rural farms received their first electricity because of the Agricultural Adjustment and Rural Electrification administrations. The New Deal stretched from the Harlan County coal mines to a TVA dam near Paducah, and it encompassed subjects as small as Social Security pension checks and as large as revived Bourbon distilleries. The impact of these phenomena on Kentucky was both beneficial and disruptive, temporary and enduring. Blakey analyzes the economic effects of this unprecedented and massive government spending to end the depression. He also discusses the political arena in which Governors Laffoon, Chandler, and Johnson had to wrestle with new federal rules. And he highlights social changes the New Deal brought to the Commonwealth: accelerated urbanization, enlightened land use, a lessening of state power and individualism, and a greater awareness of Kentucky history. Hard Times and New Deal weaves together private memories of older Kentuckians and public statements of contemporary politicians; it includes legislative debates and newspaper accounts, government statistics and personal reminiscences. The result is a balanced and fresh look at the patchwork of emergency and reform activities which many people loved, many others hated, but no one could ignore.
| Author | : Kenneth T. Jackson |
| Publisher | : Oxford University Press |
| Total Pages | : 434 |
| Release | : 1987-04-16 |
| Genre | : History |
| ISBN | : 0199840342 |
This first full-scale history of the development of the American suburb examines how "the good life" in America came to be equated with the a home of one's own surrounded by a grassy yard and located far from the urban workplace. Integrating social history with economic and architectural analysis, and taking into account such factors as the availability of cheap land, inexpensive building methods, and rapid transportation, Kenneth Jackson chronicles the phenomenal growth of the American suburb from the middle of the 19th century to the present day. He treats communities in every section of the U.S. and compares American residential patterns with those of Japan and Europe. In conclusion, Jackson offers a controversial prediction: that the future of residential deconcentration will be very different from its past in both the U.S. and Europe.
