Credit availability for small businesses, real estate, housing, and consumers : field hearing before the Subcommittee on Economic Growth and Credit Formation of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, first session, August 30, 1993.

Mode of access: Internet.

California experience with VRMs /

Remarks presented to the United States Chamber of Commerce Banking, Monetary and Fiscal Affairs Committee on September 29, 1976.

The housing finance system and federal policy : recent changes and options for the future.

Item 1005-C

1990 census of housing : residential finance.

"1990 CH-4-1."

Federal housing enterprises : HUD's mission oversight needs to be strengthened : report to the Chairman, Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises, Committee on Banking and Financial Services, House of Representatives /

"B-278383"--P. 1.

Financing our residential property.

Mode of access: Internet.

Office of Thrift Supervision journal.

Title from cover.

The effect of focusing on loan decisions

In this paper we investigate some implications of recent results about salience on loan decisions. Using the framework of focus-weighted utility we show that consumers might take out loans even when that yield them negative utility. We claim however, that consumers are more prudent in their decisions and might be less likely to take out such loans when the usual fixed- and increasing-installment plans are coupled with a decreasing-installment option. We argue that harmful loan consumption, especially in the case of loans with increasing-installments (e.g. alternative mortgage loans), could be decreased if a policy would prescribe presentation of loan repayment schedules in a way that employs this effect. Moreover, using the model of focus-weighted utility we give a possible explanation for the unpopularity of decreasing-installment plans, the success of increasing-installment plans and their higher default rate during the financial crisis.

The effect of focusing on loan decisions

In this paper we investigate some implications of recent results about salience on loan decisions. Using the framework of focus-weighted utility we show that consumers might take out loans even when that yield them negative utility. We claim however, that consumers are more prudent in their decisions and might be less likely to take out such loans when the usual fixed- and increasing-installment plans are coupled with a decreasing-installment option. We argue that harmful loan consumption, especially in the case of loans with increasing-installments (e.g. alternative mortgage loans), could be decreased if a policy would prescribe presentation of loan repayment schedules in a way that employs this effect. Moreover, using the model of focus-weighted utility we give a possible explanation for the unpopularity of decreasing-installment plans, the success of increasing-installment plans and their higher default rate during the financial crisis.

Modelo de Scoring para o Crédito à Habitação: Um estudo de caso em Portugal

Mestrado em Contabilidade e Gestão das Instituições Financeiras

Using Kofax Solutions for Process Improvement

One of the ways the South Carolina State Housing Finance and Development Authority fulfills this mission is through the purchase and servicing of mortgage loans. The 2007 Recession resulted in decreased revenues for the department while higher default, foreclosure and bankruptcy rates increased the department's manpower cost. The agency has since acquired different servicing software which complies with current industry regulations and is once again servicing the loans that it purchases. This project is to see if the department could improve any of their overall processes by using existing technologies and software to better utilize the new servicing system while minimizing manual tasks. This paper explores whether the existing Kofax Document Recognition system could improve this process and reduce overall employee time and effort?

Rural credits bill. Comparative print, showing S.2986, a bill to provide capital for agricultural development, to create a standard form of investment based upon farm mortgage, to equalize rates of interest upon farm loans, to furnish a market for United States bonds, to provide for the investment of postal savings deposits, to create government depositaries and financial agents for the United States, and for other purposes, as passed by the Senate and as passed by the House of representatives.

In parallel columns.

Application for Loan, Mortgage Loan Envelope, and Abstract of Title

Atkins, Sarah A. and Carlisle A. Gardner includes: Application for Loan, July 26, 1884; Mortgage Loan Envelope no. 255 for July 1, 1884 – July 1, 1889 and Abstract of Title, August 28, 1884.

Letter to S.D. Woodruff from Wm. Shelley, treasurer of the Jarvis-Conklin Mortgage Trust Company

Letter (1 page, typed) to S.D. Woodruff from Wm. Shelley, treasurer of the Jarvis-Conklin Mortgage Trust Company requesting the papers for the Crew and Atkins loans. The letter is discoloured along the folds. This does not affect the text, Nov. 20, 1887.