Consumer Advisory Bulletin, Reverse Mortgages, January 2013

The Attorney General’s Consumer Protection Division receives hundreds of calls and consumer complaints every year. Follow these tips to avoid unexpected expense and disappointments. This record is about: Giving Wisely: Reverse Mortgages

Economic and legal analysis of mandatory non-recourse mortgages with applications to Spain

“The liquidity crisis of the Spanish banks is largely due to the lack of confidence of foreign investors and, therefore, the changes that occur in the legislation should not affect the credibility, stability, legal certainty, predictability that markets expect”.Sergio Nasarre (2011)In the current situation of economic crisis, many people have found they can no longer pay back the mortgage loans that were granted to them in order to purchase a dwelling. It is for this reason that, in light of the economic, political and social problems this poses, our paper studies the state of the Spanish real-estate system and of foreclosure, paying special attention to the solution that has been proposed recently as the best option for debtors that cannot make their mort-gage payments: non-recourse mortgaging. We analyze this proposal from legal and economic perspectives in order to fully understand the effects that this change could imply. At the same time, this paper will also examine several alternatives we believe would ameliorate the situation of mortgage-holders, among them legal reforms, mortgage insurance, and non-recourse mortgaging itself.

St. Catharines documents including mortgages, wills and declarations, 1871-1914 (not inclusive)

Most of these documents refer to a tract of land located on the intersection of King and Court Streets (part of the Lawrie plan) and Carter properties in St. Catharines Ontario. The Security Loan and Savings Company of St. Catharines existed between 1870 and 1906. Thomas Rodman Merritt was the president.

Payment for the Atkins and Schmidt accounts from Jarvis, Conklin and Morgan Negotiators of Farm Mortgages

Payment for the Atkins and Schmidt accounts from Jarvis, Conklin and Morgan Negotiators of Farm Mortgages, Dec. 29, 1884.

Letter to S.D. Woodruff from Jarvis, Conklin and Morgan Farm Mortgages

Letter to S.D. Woodruff to acknowledge the sending of Crew and Mauk papers signed Jarvis, Conklin and Co., April 15, 1885.

Letter to S.D. Woodruff from Jarvis, Conklin and Morgan Farm Mortgages

Letter to S.D. Woodruff which accompanied Crick documents. It is signed Jarvis, Conklin and Morgan Farm Mortgages, April 18, 1885.

Letter to S.D. Woodruff from Jarvis, Conklin and Morgan Farm Mortgages

Letter to S.D. Woodruff which accompanied the Underwood abstract. It is signed Jarvis, Conklin and Morgan, May 4, 1885.

List (4 pages, handwritten) of titles on the Sarnia Branch subject to mortgages

List (4 pages, handwritten) of titles on the Sarnia Branch subject to mortgages, n.d.

Notes on mortgages, fragment, 1837

Fragment of a handwritten list of mortgages.

16th census of the United States, 1940. Farm mortgages, taxes, labor, facilities, expenditures, and miscellaneous farm information; fruits, vegetables and minor crops, with statistics for counties.

Prepared under the supervision of Z.R. Pettet.

Home equity conversion mortgages : program participants.

Mode of access: Internet.

Proceedings, reverse mortgages : improving housing market liquidity ; March 2, 1993 /

Mode of access: Internet.

A handbook on investments in houses & lands : with chapters on leases, mortgages, and building societies /

Includes index.