Subprime Cities: The Political Economy of Mortgage Markets (Studies in Urban and Social Change)

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Post Date : Oct 27, 2011 07:30:55
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Subprime Cities: The Political Economy of Mortgage Markets presents a collection of works from social scientists that offer insights into mortgage markets and the causes, effects, and aftermath of the recent 'subprime' mortgage crisis.

• Provides an even-handed and detailed analysis of mortgage markets and the recent housing crisis
• Features contributions from various social scientists with expertise in critical social theories who have assembled and analyzed detailed empirical information
• Offers a unique and powerful rebuttal to many of the misleading popular explanations of the crisis and its aftermath
• Reveals how racial minorities and the neighbourhoods inhabited by them are more likely to be targeted by subprime and predatory lenders

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Texas Mortgage Lenders

!: Texas Mortgage Lenders

Texas mortgage lenders are the financial institutions in Texas that lend in the home mortgage market. A mortgage is a lending mechanism by which people finance the purchase of real property by borrowing funds from various mortgage lenders. Most mortgage lending services are provided in the residential and property mortgage segments. The mortgage lenders hold the title to the property as the security for the funds advanced until the loan is repaid. The borrower makes monthly payments to the lender towards repayment of principal and payment of interest. In the event of default, the lender has the right to seize possession of the property.

Mortgage lenders in Texas are normally categorized as savings banks, commercial banks, or mortgage bankers. They possess the legal right to finance a mortgage loan after satisfying the necessary credit line requirements. Though mortgage lenders benefit from extending the highest amount a customer can borrow, they are also careful to ascertain the actual borrowing capacity of the customer. The current practice among licensed mortgage lenders in Texas is to simply broker or sell mortgage loan transactions that they generate and close. This is to ensure that they remain financially solvent at all times in case their depositors request refunds. Hence, very often, mortgage lenders in Texas refuse to accept deposits and readily transfer the mortgage loans to wholesalers who are willing to purchase them.

Mortgage lenders in Texas are experiencing the benefits that come with having a presence on the Internet. An online presence has increased the reach and marketability of their lending services together with helping them keep their promotional costs low. Moreover, for prospective customers, the Internet is a quick and inexpensive means to search and compare the rates and services offered by various mortgage lenders in Texas.

Texas Mortgage Lenders

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FHA Reverse Mortgages

!: FHA Reverse Mortgages

www.LetYourHomePayYou.com - FHA Reverse Mortgages are a safe way for seniors 62+ to tap into home equity for TAX-FREE CASH! You never make a mortgage payment while living in your home. Government backed, insured by FHA. You deserve to check it out if you have a LOT of equity in your home and are in need of supplemental income. Free FHA Reverse Mortgage Quotes. Visit www.letyourhomepayyou.com

FHA Reverse Mortgages

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