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The release of data on mortgage originations collected under the Home Mortgage Disclosure Act has given rise to a number of articles that cite "racial disparities" in loan denial and approval rates. But do these numbers represent differences arising from the application of consistent credit standards to various groups, or are they disparities that arise from inconsistent credit standards?
Reflecting on the century since the first International Union for Housing Finance (IUHF) meeting in 1914, we are of course struck by how much things change and keep changing. In this context, we should consider the definition of “a period of transition,” from the economist, Jacob Viner. It is this:...
Housing finance in the United States over the last one hundred years can be divided into three eras: The age of savings and loan institutions (1914-1980), the age of Fannie Mae and Freddie Mac (1980-2008), and the As-Yet Undefined Age (2008-future).
We invite you to join us for this year’s international conference on housing risk — cosponsored by the Collateral Risk Network and AEI International Center on Housing Risk — which will focus on new mortgage and collateral risk measures and their applications.
At the core of the US financial collapse was the lack of an objective standard of safety and soundness in mortgage underwriting and collateral risk assessment. Opaque information regarding these risks meant that homebuyers, lenders, investors, insurers, regulators, and policymakers had neither incentives nor information to moderate the bubble.
The Wealth Building Home Loan, a new approach to home finance, received rave reviews by several leaders of national stature, including the "godfather" of mortgage finance, Lewis Ranieri, at the American Mortgage Conference held September 8-10.
Created by AEI's Edward Pinto and Stephen Oliner, the Wealth Building Home Loan is a new approach to low-income home finance that provides low-income borrowers a straight, broad highway to building wealth based on a 15-year, fully amortizing, fixed-rate loan.
FOR IMMEDIATE RELEASEContact: AEI Media Services202.862.5829, [email protected] Washington, DC– A revolutionary approach to low-income home finance, the Wealth Building Home LoanSM
We welcome you to join us for a panel discussion of the undersea military competition occurring in Asia and what it means for the United States and its allies.
AEI’s Election Watch is back! Please join us for two sessions of the longest-running election program in Washington, DC.
We welcome you to join us at AEI for a discussion of what’s next for the Common Core.
Please join AEI for a discussion examining each candidate’s platform and prospects for victory and the impact that a possible shift toward free-market policies in Brazil might have on South America as a whole.