foreclosure nation mortgaging the american dream

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Foreclosure Nation

Author : Shari B. Olefson
ISBN : 9781591028673
Genre : Business & Economics
File Size : 42. 28 MB
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The family residence is the backbone of the American economy, the most valuable and enduring asset for those who have achieved a financial foothold. Yet today record numbers of households confront foreclosure. In the next year it is estimated that over two million Americans will lose their homes and almost two billion dollars of wealth will disappear in the process. How did the traditional "American Dream" morph into a nightmare for so many? Real estate attorney and educator Shari B. Olefson, a recognized expert in the current mortgage crisis and its effects on homeowners, explains how America slipped to the edge of this dangerous stagnation-recession precipice. In plain language that is easily understandable to the average person, she clarifies legal and financial terminology and describes how our country’s mortgage system really works. Utilizing real-life lender and borrower interviews, she exposes its intrinsic flaws and often discriminatory practices, from the mortgage application process to the securitization of bundled mortgages by large investment firms. She also provides evidence to show the government’s and Wall Street’s roles in both causing and solving the problem. Above all, Olefson offers expert tips, tools, and resources to help you: • Choose a mortgage professional and understand what’s motivating him or her • Decide what mortgage product fits best and when to refinance • Get the best fees, interest rate, and service • Create your own solutions for navigating the credit crunch • Know what to do when you can’t afford your mortgage • Protect your home if you are at risk of foreclosure • Understand how to proceed if you are already in foreclosure • Capitalize on emerging opportunities and avoid the scams and mortgage fraud • Prepare for coming changes Foreclosure Nation demystifies the real estate bubble and the subprime mortgage crises that followed. With bold, clear visuals like inventory, absorption, and price trend graphs, Olefson pinpoints exactly when and why experts are predicting a recovery. She also cites statistics that strongly suggest the number of foreclosures will surge in the fall of 2008 and again in 2009, with increased reverberations felt throughout the US and global economies. Foreclosure Nation will prove indispensable to explaining what is happening and guiding readers through. Whether you are planning on buying your first home, struggling to meet your current mortgage payments, facing foreclosure, or wondering how your investments will be affected, this comprehensive book will assuage the fear of the unknown, empowering you to make wise choices and protect your most valuable assets.

A Dream Foreclosed

Author : Laura Gottesdiener
ISBN : 9781884519215
Genre : Business & Economics
File Size : 70. 28 MB
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"Real-life stories of how banks are ravaging the country--particularly African American communities--and how some families have joined together to fight back. The ongoing economic crisis has created one of the longest and largest mass displacements in U.S. history. While profiting from government bailouts, banks have evicted more than ten million Americans from their homes, destroying their life savings, their economic security and their dreams. Told through the eyes of four families, A Dream Foreclosed reveals the ongoing human tragedy of the crisis--and the spectacular possibilities that emerge when everyday people challenge the all-powerful corporations that the U.S. government considers 'too big to indict.'"--Cover p. [4].

American Nightmare

Author : Richard Lord
ISBN : 1567513042
Genre : Business & Economics
File Size : 89. 48 MB
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Wall Street is hungry for your house--and wants Washington to serve it on a platter.

Foreclosure Prevention Counseling

Author : Elizabeth Renuart
ISBN : 160248046X
Genre : Business & Economics
File Size : 77. 64 MB
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Foreclosed Rehousing The American Dream

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ISBN : 9780870708589
Genre :
File Size : 71. 4 MB
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Segregation

Author : James H. Carr
ISBN : 9780415965347
Genre : Business & Economics
File Size : 21. 97 MB
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Segregation: The Rising Costs for America documents how discriminatory practices in the housing markets through most of the past century, and that continue today, have produced extreme levels of residential segregation that result in significant disparities in access to good jobs, quality education, homeownership attainment and asset accumulation between minority and non-minority households. The book also demonstrates how problems facing minority communities are increasingly important to the nation's long-term economic vitality and global competitiveness as a whole. Solutions to the challenges facing the nation in creating a more equitable society are not beyond our ability to design or implement, and it is in the interest of all Americans to support programs aimed at creating a more just society. The book is uniquely valuable to students in the social sciences and public policy, as well as to policy makers, and city planners.

Foreclosed Rehousing The American Dream

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ISBN : 9780870708589
Genre :
File Size : 34. 26 MB
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The Great American Foreclosure Story

Author : Paul Kiel
ISBN : 9781453254417
Genre : Business & Economics
File Size : 86. 41 MB
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ProPublica’s mesmerizing and groundbreaking look at the national housing crisis, told through the lens of one woman whose story came to exemplify it Sheila Ramos’s story mirrors the lives of millions of Americans who have lost their homes since the beginning of the housing crisis in 2007. The Great American Foreclosure Story details with clarity and empathy the road that led Ramos and so many like her toward financial ruin. Once the owner of a small business and a home, Ramos fell on hard times. Predatory lending and denied loan-modification applications eventually sent her and her three grandchildren packing, leaving behind their house in Florida and winding up in a tent outside of Ramos’s faraway hometown. Alongside Ramos’s story are additional investigations by ProPublica reporter Paul Kiel and his colleagues Olga Pierce and Cora Currier documenting the systematic failures at banks, mortgage servicers, and government watchdogs that have exacerbated the country’s most severe foreclosure crisis since the Great Depression. Drawing from whistleblower testimonies, extensive homeowner databases, and a trove of underlying data, The Great American Foreclosure Story is a comprehensive and unrivaled look at the housing crisis, and its continuing human toll.

Third World America

Author : Arianna Huffington
ISBN : 9780307719973
Genre : Political Science
File Size : 82. 25 MB
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It’s not an exaggeration to say that middle-class Americans are an endangered species and that the American Dream of a secure, comfortable standard of living has become as outdated as an Edsel with an eight-track player. That the United States of America is in danger of becoming a third world nation. The evidence is all around us: Our industrial base is vanishing, taking with it the kind of jobs that have formed the backbone of our economy for more than a century; our education system is in shambles, making it harder for tomorrow’s workforce to acquire the information and training it needs to land good twenty-first century jobs; our infrastructure—our roads, our bridges, our sewage and water, our transportation and electrical systems—is crumbling; our economic system has been reduced to recurring episodes of Corporations Gone Wild; our political system is broken, in thrall to a small financial elite using the power of the checkbook to control both parties. And America’s middle class, the driver of so much of our economic success and political stability, is rapidly disappearing, forcing us to confront the fear that we are slipping as a nation – that our children and grandchildren will enjoy fewer opportunities and face a lower standard of living than we did. It’s the dark flipside of the American Dream – an American Nightmare of our own making. Arianna Huffington, who, with the must-read Huffington Post, has her finger on the pulse of America, unflinchingly tracks the gradual demise of America as an industrial, political, and economic leader. In the vein of her fiery bestseller Pigs at the Trough, Third World America points fingers, names names, and details who’s killing the American Dream. Finally, calling on the can-do attitude that is part of America’s DNA, Huffington shows precisely what we need to do to stop our freefall and keep America from turning into a third world nation. Third World America is a must-read for anyone disturbed by our country’s steady descent from 20th century superpower to backwater banana republic. From the Hardcover edition.

Chasing The American Dream

Author : William M. Rohe
ISBN : 9781501731136
Genre : Business & Economics
File Size : 29. 56 MB
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Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans? This book provides a critical assessment of affordable homeownership policies and goals.

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