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  • 1
    Online Resource
    Online Resource
    Stabilizing the system of mortgage finance in the United States (2017)
    [Washington, D.C.] : International Monetary Fund
    Details
    UID:
    gbv_896067971
    Format: 1 Online-Ressource (circa 32 Seiten) , Illustrationen
    ISBN: 9781484312544
    Series Statement: IMF working paper WP/17, 186
    Content: It has been over a decade since the peak of house prices in the US was attained, and while there has been a concerted regulatory response to the subsequent collapse, the two Government Sponsored Enterprises (GSEs) remain in conservatorship. While this action served to forestall a deeper crisis at the time, over the past several years risks related to the system of mortgage finance can be seen building across several dimensions that need to be addressed. While reforms to the GSEs are an important part of dealing with these concerns, this paper argues that broader changes need to be made across the entire mortgage landscape to stabilize the system, even before the final state of the GSEs is fully determined
    Additional Edition: Erscheint auch als Druck-Ausgabe Koss, Richard Stabilizing the System of Mortgage Finance in the United States Washington, D.C. : International Monetary Fund, 2017 ISBN 9781484312544
    Language: English
    Keywords: Arbeitspapier ; Graue Literatur
    DOI: 10.5089/9781484312544.001
    URL: kostenfrei
    URL: Volltext
    URL: Volltext
    URL: kostenfrei
    Library Location Call Number Volume/Issue/Year Availability
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    Online Resource
    Online Access
    Open Access Request
    Stabi Berlin
  • 2
    Online Resource
    Online Resource
    Stabilizing the System of Mortgage Finance in the United States / (2017)
    Washington, D.C. :International Monetary Fund,
    Details
    UID:
    edocfu_9959301360502883
    Format: 1 online resource (32 pages)
    ISBN: 1-4843-1520-0 , 1-4843-1524-3
    Series Statement: IMF Working Papers
    Content: It has been over a decade since the peak of house prices in the US was attained, and while there has been a concerted regulatory response to the subsequent collapse, the two Government Sponsored Enterprises (GSEs) remain in conservatorship. While this action served to forestall a deeper crisis at the time, over the past several years risks related to the system of mortgage finance can be seen building across several dimensions that need to be addressed. While reforms to the GSEs are an important part of dealing with these concerns, this paper argues that broader changes need to be made across the entire mortgage landscape to stabilize the system, even before the final state of the GSEs is fully determined.
    Note: Cover -- Contents -- I. Introduction -- II. Introduction to Issues and Summary of Proposal -- III. Simplifying the System of Mortgage Provision in the U.S -- IV. Housing Policy, Financial Regulation and the Rise of Mortgage Banks -- a. The Government Guarantee and Treatment on Bank Balance Sheets -- b. Reps and Warrants -- c. The CFPB, Servicing Costs and Federal Reserve Stress Tests -- d. Leveling the Playing Field -- V. Revamping Risk Transfer -- VI. Conclusions: Looking Ahead -- References -- List of Figures -- Figure 1: CoreLogic National House Price Index -- Figure 2: Freddie Mac - Fannie Mae Yield Gap -- Figure 3: Fannie Mae Share of Conventional Mortgage Securitized Market -- Figure 4: GSE CMO Production -- Figure 5: GSE Net Interest Income -- Figure 6: GSE Net Income Before Tax -- Figure 7: Revenue and Cost per Loan -- Figure 8: FHA Share of Mortgage Production -- Figure 9: Ginnie Mae Securitization Share -- Figure 10: Share of Conventional Mortgage Production by Institution Type -- Figure 11: Share of FHA Mortgage Production by Institution Type -- Figure 12: Fannie Mae -Ginnie Mae Yield Gap -- Figure 13: Evolution of Loan Characteristics -- Figure 14: Fully Loaded Service Operating Costs ( per Loan) of Performing and Non- Performing Loans -- Figure 15: Total Mortgage Delinquencies -- Figure 16: Share of Balances Serviced by Banks -- Figure 17: Percentage (%) Ch Core Logic HPI & Days Supply -- Figure 18: Federal Reserve Holdings of MBS -- Figure 19: Homeownership Rate Under 35 Years Old.
    Additional Edition: ISBN 1-4843-1254-6
    Language: English
    Library Location Call Number Volume/Issue/Year Availability
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    Online Resource
    FU Berlin
  • 3
    Online Resource
    Online Resource
    Stabilizing the System of Mortgage Finance in the United States / (2017)
    Washington, D.C. :International Monetary Fund,
    Details
    UID:
    edoccha_9959301360502883
    Format: 1 online resource (32 pages)
    ISBN: 1-4843-1520-0 , 1-4843-1524-3
    Series Statement: IMF Working Papers
    Content: It has been over a decade since the peak of house prices in the US was attained, and while there has been a concerted regulatory response to the subsequent collapse, the two Government Sponsored Enterprises (GSEs) remain in conservatorship. While this action served to forestall a deeper crisis at the time, over the past several years risks related to the system of mortgage finance can be seen building across several dimensions that need to be addressed. While reforms to the GSEs are an important part of dealing with these concerns, this paper argues that broader changes need to be made across the entire mortgage landscape to stabilize the system, even before the final state of the GSEs is fully determined.
    Note: Cover -- Contents -- I. Introduction -- II. Introduction to Issues and Summary of Proposal -- III. Simplifying the System of Mortgage Provision in the U.S -- IV. Housing Policy, Financial Regulation and the Rise of Mortgage Banks -- a. The Government Guarantee and Treatment on Bank Balance Sheets -- b. Reps and Warrants -- c. The CFPB, Servicing Costs and Federal Reserve Stress Tests -- d. Leveling the Playing Field -- V. Revamping Risk Transfer -- VI. Conclusions: Looking Ahead -- References -- List of Figures -- Figure 1: CoreLogic National House Price Index -- Figure 2: Freddie Mac - Fannie Mae Yield Gap -- Figure 3: Fannie Mae Share of Conventional Mortgage Securitized Market -- Figure 4: GSE CMO Production -- Figure 5: GSE Net Interest Income -- Figure 6: GSE Net Income Before Tax -- Figure 7: Revenue and Cost per Loan -- Figure 8: FHA Share of Mortgage Production -- Figure 9: Ginnie Mae Securitization Share -- Figure 10: Share of Conventional Mortgage Production by Institution Type -- Figure 11: Share of FHA Mortgage Production by Institution Type -- Figure 12: Fannie Mae -Ginnie Mae Yield Gap -- Figure 13: Evolution of Loan Characteristics -- Figure 14: Fully Loaded Service Operating Costs ( per Loan) of Performing and Non- Performing Loans -- Figure 15: Total Mortgage Delinquencies -- Figure 16: Share of Balances Serviced by Banks -- Figure 17: Percentage (%) Ch Core Logic HPI & Days Supply -- Figure 18: Federal Reserve Holdings of MBS -- Figure 19: Homeownership Rate Under 35 Years Old.
    Additional Edition: ISBN 1-4843-1254-6
    Language: English
    Library Location Call Number Volume/Issue/Year Availability
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    Online Resource
    Charité
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