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Academic Journals
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From:Real Estate Economics (Vol. 29, Issue 4) Peer-ReviewedDavid Leece (*) The paper considers the choice of mortgage instrument when the rate of interest is fixed for a short duration, with reversion to a variable (bullet) rate mortgage contract. The research is the first...
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From:Real Estate Issues (Vol. 29, Issue 1) Peer-ReviewedIS GREENSPAN WRONG? IT DOES SEEM WORTHWHILE TO ASK THIS QUESTION OF THE Federal Reserve Board Chairman, Alan Greenspan, based on his recent testimony before Congress as to mortgages. (He has also appeared before a...
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From:Real Estate Economics (Vol. 24, Issue 1) Peer-ReviewedThe factors to be considered in choosing between fixed rate mortgage (FRM) and adjustable rate mortgage (ARM) are the expected real interest rate differential, initial wealth, income and the expected real and nominal...
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From:Journal of Property Management (Vol. 67, Issue 4) Peer-ReviewedReverse mortgages are becoming all the rage with retirees looking to rap the value of their homes to get more spending money. Last year, homeowners collected about $100 billion in cash by refinancing a record $1.1...
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From:Real Estate Economics (Vol. 25, Issue 3) Peer-ReviewedThe effects of initial-year discounts on conventional single-family adjustable-rate mortgage (ARM) prepayment were investigated using nonparametric test statistics. The data analyzed covered 19,731 loans from a large...
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From:Journal of Consumer Affairs (Vol. 26, Issue 2) Peer-ReviewedFor this study, data were collected from 352 mortgage borrowers to determine whether mortgage decisions are economically rational with regard to the type of mortgage believed to have the higher expected cost, and how...
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From:Appraisal Journal (Vol. 61, Issue 3) Peer-ReviewedReal estate investors commonly sell property on an installment basis. When mortgaged real estate is sold on the installment basis, the Internal Revenue Service (IRS) has traditionally taken the position that a mortgage...
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From:Real Estate Economics (Vol. 29, Issue 2) Peer-ReviewedBrent W. Ambrose [*] Michael LaCour-Little [**] This paper uses microlevel data to examine recent prepayment performance of adjustable rate mortgages (ARMs) employing the competing risk methodology developed by...
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From:Real Estate Economics (Vol. 26, Issue 2) Peer-ReviewedA numerical model of mortgage valuation and prepayment is developed to show that a separating equilibrium can be established wherein borrowers can select fixed rate loans from various coupon rate and point combinations....
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From:Real Estate Economics (Vol. 25, Issue 3) Peer-ReviewedA method using a new mortgage valuation model, which incorporates the residential mortgage borrower's optimal intertemporal refinancing strategy, was used to estimate the mobility of borrowers choosing fixed-rate...
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From:Real Estate Economics (Vol. 26, Issue 3) Peer-ReviewedThe value of a fixed-rate mortgage and its incorporated options on default payments and prepayments may be calculated using a two-state finite-difference technique. However, this technique is extremely complicated when...
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From:Florida Bar Journal (Vol. 87, Issue 1)In the tidal wave of mortgage foreclosures filed in recent years, equitable subrogation has become a vitally important legal tool for mortgagees and other lienholders to protect their priority. The basic operation of...
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From:Appraisal Journal (Vol. 83, Issue 1) Peer-ReviewedLake Cascade Airpark, LLC (the LLC) was formed by Donald and Candace Miller and David and Karen Buich. Subsequent to its formation, the LLC purchased 333.63 acres adjacent to the currently inactive Lake Cascade...
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From:Journal of Economic Issues (Vol. 30, Issue 1) Peer-ReviewedEmpirical researchers and economic theorists have different notions about the existence of racial discrimination in mortgage lending policies. Researchers contend that the existence of discrimination is shown by the high...
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From:Real Estate Economics (Vol. 24, Issue 3) Peer-ReviewedAn empirical model that takes into account financial terminations by prepayments and defaults is presented. The model is used to analyze the probabilities of prepayment or default of both fixed rate mortgages (FRMs) and...
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From:Real Estate Economics (Vol. 27, Issue 1) Peer-ReviewedAn inverse relationship exists between delinquency and tract housing market activity. A database of more than 2,000 conventional mortgages from an affordable-home-loan program in Philadelphia called Delaware Valley...
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From:CPA Client BulletinIn May, President Obama signed into law the Helping Families Save Their Homes Act of 2009. As its name suggests, this law includes several provisions to help distressed homeowners. Loan modifications and short sales...
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From:National Tax Journal (Vol. 64, Issue 2) Peer-ReviewedWe analyze how changes in the income tax deduction for home mortgage interest would affect loan-to-value ratios on owner-occupied homes, the distribution of income tax liabilities, and the consumption of housing...
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From:Journal of Property Management (Vol. 77, Issue 2) Peer-ReviewedStabilizing cap rates, low interest rates and declining home ownership rates are driving an optimistic outlook for the multifamily industry--with demand projected to continue at a similar pace throughout 2012, according...
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From:Business Lawyer (Vol. 64, Issue 2)INTRODUCTION An important issue that federal and state lawmakers face is how to protect consumers while still ensuring that sufficient consumer credit is available. Recently, lawmakers have begun adding a new piece...