Maine Mortgage Banker

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

Designed for both employees of mortgage lenders and individuals studying real estate finance, Residential Mortgage Lending: Principles and Practices provides an overview of mortgage banking and outlines strategies that mortgage bankers can utilize to compete successfully in today's competitive business environment. While clearly explaining the fundamentals in an easy-to-understand manner, this edition has a new emphasis on the practical applications of residential mortgage lending making it an excellent resource for learning mortgage banking operations. No prior knowledge of finance or any part of mortgage lending is required.

Adjustable rate mortgage - An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. Other forms of mortgage loan include interest only mortgage, fixed rate mortgage, Negative amortization mortgage, discounted rate mortgage and balloon payment mortgage.

University of Maine School of Law - The University of Maine School of Law is located in Portland, Maine and is Maine's only law school. It is an administraitve unit of the University of Southern Maine, but is part of the University of Maine System.

University of Maine - The University of Maine, established in 1865, is the flagship university of the University of Maine System. It is located in Orono, Maine just outside of Bangor, one of Maine's largest cities.

Wraparound mortgage - A wraparound is a way of lowering the barriers of entry to a junior lien or subordinate mortgage; it also expedites process of purchasing a home. A junior lien or subordinate mortgage is a second mortgage that generally sits behind larger first mortgage.

mainemortgagebanker

Association Banker California Mortgage - Association Banker California Mortgage Make Money in Short-sale Foreclosures Everyone knows real estate investing is a great moneymaking opportunity. Many investors are starting to realize that short-sale foreclosure investing is the most profitable real estate investing opportunity of our time. When lenders get stuck with non-performing loans, they will sell them at a lower price than the mortgage itself. Properties associated with these loans can be purchased at 20 to 50 per cent below market value. From buying ...

Florida Mortgage Banker - Florida Mortgage Banker McColl In 1959 Hugh McColl's daddy told him, Son, you don't have the brains to be a farmer. You'd better be a banker. Forty years later, McColl is the biggest banker in the United States and, many say, the smartest. Though he didn't know it back in'59, McColl was joining a bank -- in sleepy Charlotte, North Carolina -- whose culture would suit his aggressive, competitive nature like a honeycomb suits a bee. From day ...

Coldwell Banker Real Estate Maine - Coldwell Banker Real Estate Maine International Real Estate Manual Today, many people no longer limit the horizon of their activities coldwell banker real estate maine and aims to the borders of their own country. New transport coldwell banker real estate maine and communications opportunities, the political stability coldwell banker real estate maine and integration of Europe, cross-border activities coldwell banker real estate maine and prolonged stays in foreign countries have made the acquisition of real estate abroad an increasingly popular ...

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