By John P. Wiedemer, J. Keith Baker
Provided in an easy-to-read layout, this article presents an invaluable creation to state of the art issues similar to really good personal loan lending methods together with resources of personal loan funds, constraints on these resources, mortgage skills, and legislation and laws that consultant practices.
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Additional resources for Real Estate Finance (9th Edition)
Sample text
In 1997 mortgage loans took $426 billion in net credit, which means new money. The loan origination market grew threefold over the next decade and was only exceeded by federal, state, and local borrowing. S. credit markets. An interesting feature of credit markets is the position of federal borrowing. Since there are no legal limits on what the government can pay for its money, it is capable of driving all other demands for credit out of the market. Of course, such an action is extreme, but it did occur in 1944, at the peak of World War II, when the government took 99 percent of available credit.
3. How does the Treasury raise money when it has to borrow? 4. Explain the major factors that influence interest rates and describe the effects interest rate factors have on the residential mortgage market. 5. Explain the meaning of the terms fiscal policies and monetary policies. 6. Define discount rate of interest and prime rate. 7. Identify the four major areas of demand for money. 8. How does a change in interest rates affect business borrowing? 9. Discuss the effects of the new loan commitment software applications on residential mortgage lending.
The St. org/ publications/ei/page/42. indd 28 13/12/11 1:12 PM Chapter 2 • Multiple Choice Questions for Review 29 Usury Usury laws are state laws, not federal statutes, limiting the amount of interest that may be charged on different kinds of loans and to various categories of borrowers. For the first 70 years of the twentieth century, market interest rates remained generally below the various state limits, and there was little concern for this particular restriction. But as interest rates continued to climb in the late 1970s, usury limits began to surface and restricted mortgage lending in some states.