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000336815 010__ $$a  2009449643
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000336815 035__ $$a336815
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000336815 05000 $$aHG2040.5.U5$$bR57 2009
000336815 08200 $$a332.7/20973$$222
000336815 24504 $$aThe rise and fall of the U.S. mortgage and credit markets :$$ba comprehensive analysis of the market meltdown /$$cJames R. Barth ... [et al.].
000336815 2463_ $$aRise and fall of the United States mortgage and credit markets
000336815 260__ $$aHoboken, N.J. :$$bWiley,$$cc2009.
000336815 300__ $$axxxiii, 526 p. :$$bill., maps ;$$c24 cm.
000336815 504__ $$aIncludes bibliographical references and index.
000336815 5050_ $$aOverleveraged, from Main Street to Wall Street -- Overview of the Housing and Mortgage Markets -- Housing Units, Mortgage Debt, and Household Wealth -- Types of Home Mortgages -- Two Housing Finance Models: Originate-to-Hold vs. Originate-to-Distribute -- Low Interest Rates Contribute to Credit Boom and Record Homeownership Rates -- Mortgage Originations, Home Prices, and Sales Skyrocket -- Buildup and Meltdown of the Mortgage and Credit Markets -- What Is a Subprime Mortgage and Who Is a Subprime Borrower? -- Subprime Lending Grows Rapidly and New Products Gain Acceptance -- Subprime Mortgages Enable More Widespread Homeownership -- Securitization Facilitates the Funding of Subprime Mortgages -- The Housing Bubble Reaches the Breaking Point -- The Collapse Begins -- When Will the Crisis End? -- What Is the Damage Scorecard to Date? -- The Pain Spreads throughout the Financial Sector and Beyond -- When Will We Hit Bottom? -- What Went Wrong . . . ? -- . . . with Origination Practices and New Financial Products? -- . . . with Securitization and Rating Agencies? -- . . . with Leverage and Accounting Practices? -- . . . with Fannie Mae and Freddie Mac? -- . . . with Tax Benefits for Homeownership? -- . . . with Regulation and Supervision? -- . . . with the Greed Factor? -- Assessing the Role of Various Factors to Explain Foreclosures -- So Far, Only Piecemeal Fixes -- The Landscape Shifts for Lenders -- The Federal Reserve Intervenes to Provide Liquidity and Higher-Quality Collateral -- Congress and the White House Take Steps to Contain the Damage -- The FDIC Takes Steps to Instill Greater Confidence in Depository Institutions -- The Government's Actions Drive up the Deficit -- Where Should We Go from Here? -- Key Factors That Should Drive Reform -- Issues for Policymakers -- Concluding Thoughts.
000336815 650_0 $$aMortgage loans$$zUnited States.
000336815 650_0 $$aCredit$$zUnited States.
000336815 650_0 $$aFinancial crises$$zUnited States.
000336815 651_0 $$aUnited States$$xEconomic conditions$$y2001-2009.
000336815 7001_ $$aBarth, James R.
000336815 85200 $$bgen$$hHG2040.5.U5$$iR57$$i2009
000336815 85642 $$3Contributor biographical information$$uhttp://www.loc.gov/catdir/enhancements/fy0913/2009449643-b.html
000336815 85642 $$3Publisher description$$uhttp://www.loc.gov/catdir/enhancements/fy0913/2009449643-d.html
000336815 85641 $$3Table of contents only$$uhttp://www.loc.gov/catdir/enhancements/fy0913/2009449643-t.html
000336815 909CO $$ooai:library.usi.edu:336815$$pGLOBAL_SET
000336815 980__ $$aBIB
000336815 980__ $$aBOOK