This article explores actual market outcomes in a deregulated mortgage market to ascertain if market discipline can be … the mortgage market are set forth. In part two the outcomes generated by such a legal environment are presented. Such …

. Discrimination, Redlining, and Financial Restructuring in Business Credit Markets -- 4. A Brief History of Mortgage …

We assess the credit market impact of allowing mortgage "strip-down" as a foreclosure-prevention measure, where strip …-term reduction in mortgage interest rates and a small, short-term increase in mortgage approval rates, but no long-term effects, and … the circuit court decisions did not consistently affect mortgage terms. These results suggest that strip-down would be an …

This chapter considers the structure of mortgage finance in the U.S., and its role in shaping patterns of homeownership … the design features of mortgage contracts that distinguish them from other loans, and that have important implications for … issues presented in the rest of the chapter. We then explain how mortgage finance interacts with public policy, particularly …