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Special Report on

Housing and Mortgage Finance Agencies

housing and mortgage finance agencies special research report Photo by www.state.nj.us
As the U.S. housing market has moved from boom in the middle of the decade to bust over the past two years, the sources of mortgage funding have changed dramatically. The government-sponsored enterprises—Fannie Mae, Freddie Mac, and Ginnie Mae—now own or guarantee an overwhelming share of originations. At the same time, non-agency mortgage securitization and loans retained in lender portfolios have largely dried up. The period following the 2001 recession through 2006 is rightly called a housing boom. House prices and net borrowing by households surged in the early part of the decade, easily outpacing growth in ...
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank , either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. In many countries, though not all ( Iran and Bali, Indonesia are two exceptions), it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries ...
REVIEWS AND OPINIONS
normxxx ruminates...: How Moody's— Sold Out Investors
As the housing market collapsed in late 2007, Moody's Investors Service, whose investment ratings were widely trusted, responded by purging analysts and executives who warned of trouble and promoting those who helped Wall Street plunge the country into its worst financial crisis since the Great Depression. A McClatchy investigation has found that Moody's punished executives who questioned why the company was risking its reputation by putting its profits ahead of providing trustworthy ratings for investment offerings. Instead, Moody's promoted executives who headed its "structured finance" division, which market research, surveys and trends
NeighborWorks America Training Explores Innovative Strategies to ...
Topeka, KS - July 20, 2010 - (RealEstateRama) — Good intentions, tenacity and passion are essential qualities non-profits must have to achieve any community building mission, but are they enough? Unfortunately, many organizations realize too late that getting the job done also requires capacity, knowledge and resources Topeka, KS - July 20, 2010 - (RealEstateRama) -- Good intentions, tenacity and passion are essential qualities non-profits must have to achieve any community building mission, but are they enough? Unfortunately, many organizations realize too late that getting the job done also requires capacity, knowledge ... market research, surveys and trends

SURVEY RESULTS FOR
HOUSING AND MORTGAGE FINANCE AGENCIES

Housing Services in the National Economic Accounts
billion (see table F.100). These figures imply dissaving by persons of $341.9 billion, or 3.6 ... amounted to almost 2 percent of disposable personal income, ... Consists mostly of state and local housing and mortgage finance agencies. ... industry trends, business articles and survey research
Housing Agencies May Get $35 Billion in Treasury Aid (Update1 ...
Sept. 28 (Bloomberg) -- State housing agencies in the U.S. that provide mortgages to low-income borrowers would get as much as $35 billion in federal aid under a new U.S. Treasury Department program, people familiar with the matter said. The program would provide up to $15 billion in fresh funding for as long as three years and would purchase as much as $20 billion in tax-exempt mortgage bonds issued by state- sponsored housing finance agencies through the end of this year, a person familiar with the matter said. The program may be announced as early as Sept. 30, said the person, who didn’t want to be named because the plans ... industry trends, business articles and survey research
RELATED NEWS
Is Elizabeth Warren really the best pick to run the new consumer finance agency?
to run the Consumer Financial Protection Bureau created by the soon-to-be-signed financial reform bill. Warren, of course, has been the chief watchdog of the financial bailout, frequent thorn in the side of Timothy F. Geithner and other architects of said bailout, a leading scholar on the rise of--and problems caused by--America's consumer debt overload, and a pioneer of the idea of creating such an agency to begin with. (For a sense of the pressure from the left that President Obama is facing to appoint Warren, here is a petition in support of her candidacy from BoldProgressives.org, and posts advocating her candidacy from market trends, news research and surveys resources
MGIC Investment Corporation Reports Second Quarter 2010 Results
today reported net income for the quarter ended June 30, 2010 of $24.6 million, compared with a net loss of $339.8 million for the same quarter a year ago. Diluted net income per share was $0.13 for the quarter ending June 30, 2010, compared to diluted loss per share of $2.74 for the same quarter a year ago. The net loss for the first six months of 2010 was $125.5 million, compared with a net loss of $524.4 million for the same period last year. Total revenues for the second quarter were $406.4 million, compared with $454.5 million in the second quarter last year. Net premiums written for the quarter were $295.3 million, ... market trends, news research and surveys resources

INFORMATION RESOURCES

FORECLOSURE FAST FACTS
NEW JERSEY HOUSING AND MORTGAGE FINANCE AGENCY .... The following is a list of agencies that have partnered with the NJ HMFA and have been trained in ... technology research, surveys study and trend statistics
Housing and Mortgage Finance Agencies - HUD
The Bureau of Indian Affairs' mission is to enhance the quality of life, to promote economic opportunity, and to carry out the responsibility to protect and improve the trust assets of American Indians, Indian tribes and Alaska Natives. They accomplish this through the delivery of quality services, maintaining government-to-government relationships within the spirit of Indian self-determination. For more information visit them at: http://www.doi.gov/bureau-indian-affairs.html . California Housing Finance Agency The California Housing ... technology research, surveys study and trend statistics
Housing
The United States Department of Housing and Urban Development (HUD) is the federal agency responsible for national housing policy and programs, community development, and fair housing laws. HUD helps create a decent home and suitable living environment for all Americans. The agency plays a major role in supporting homeownership by underwriting home loans for low- and moderate-income families through its mortgage insurance programs.   National Low Income Housing Coalition www.nlihc.org The National Low Income Housing Coalition is dedicated to ending America's affordable housing crisis. NLIHC educates, organizes, and ...
REAL TIME
HOUSING AND MORTGAGE FINANCE AGENCIES
latest webinars
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Join these Webinars to learn more about current research, trends and surveys.
QUESTIONS AND ANSWERS
When will US launches aid for state, local housing agencies?
The Obama administration on Monday launched a new program to help state and local housing finance agencies provide hundreds of thousands of affordable mortgages and further stabilize the depressed U.S. housing market. The program, described as temporary by the Treasury, the Department of Housing and Urban Development and the Federal Housing Finance Agency, will use government-sponsored mortgage finance giants Fannie Mae and Freddie Mac to provide temporary financing for housing finance agencies hurt by gridlock in the credit markets. The move is the latest attempt by the Obama administration to prop up the faltering U.S. housing ...
What is the profile of analysts at brokerage firms come up with ...
I am doing research for a book I am writing. I am trying to get a profile of the people hired by large firms who determined sub-prime mortgage backed securities would be a good investments for their firms and their firms clients. What was the reasoning and rationale they used? What is their experience and educational profile? Does anyone know of a web site that would have statistics on this subject? posted 2 months ago in Equity Markets , Government Services | Closed Share This They mortgage backed securities (which include sub-prime mortgages) were rated as an investment grade security by the rating agencies. Rating Agencies ...