between the first quarter of 1998 to the first quarter of 2006 at seven large subprime mortgage lenders. The results provide … annual percentage rates for the broker-originated loans with the predicted rates. For five of six mortgage products, half or … mortgage originations, had annual percentage rates that were greater than the rates predicted by the broker model. Large …

Virtually no home mortgage borrower who has not had (1) extensive professional training, or (2) prior experience as a … the home loan itself. Virtually all home mortgage transactions provide borrowers with disclosure statements that spell out … field, and their uniform covenants apply throughout the United States' mortgage market. This article proposes that they be …

The unprecedented growth, eventual take-over of half the mortgage market and ultimate failure of Fannie Mae and Freddie …

governmental mortgage guarantee plans, and greater reliance on private mortgage markets. The analysis also considers the likely … consequences of adopting alternative roles for government in the U.S. housing and mortgage markets. We start by reviewing the … history of the GSEs and their contributions to the operation of U.S. housing and mortgage markets, including the actions that …

This paper explores mortgage market reforms in the U.S. and U.K. in response to the recent mortgage market crisis. Two …

The federal government recently placed Fannie Mae and Freddie Mac, the government chartered, privately owned mortgage … (GSEs) they also have a government-mandated mission to provide liquidity and stability to the U.S. mortgage market and to … residential mortgage market is structured. Few scholars, however, have provided a framework in which to conceptualize the …