Foreclosed

Mortgage Servicing and the Hidden Architecture of Homeownership in America

Häftad, Engelska, 2019

AvChristopher K. Odinet

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In Foreclosed, Christopher K. Odinet gives voice to the stories of homeowners that have been neglected, particularly those facing foreclosure and deep financial distress. The book reveals the powerful and often invisible mortgage servicing industry, the tremendous discretionary power it wields over the housing lives of most Americans, and the servicing problems that still persist today. In doing so, it unveils a quiet and dangerous market shift in mortgage servicing - namely, an ongoing move toward a shadow banking sector where regulation is weak - that threatens the stability of our housing finance system. Ultimately, the book demonstrates how the law does not afford homeowners the protection most think and how regulation of these mortgage middlemen remains weak. Foreclosed should be read by anyone concerned with the state of housing and home ownership in the United States.

Produktinformation

Utgivningsdatum2019-02-07
Mått153 x 230 x 15 mm
Vikt400 g
FormatHäftad
SpråkEngelska
Antal sidor230
FörlagCambridge University Press
ISBN9781108406352

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Introduction; Part I. The Housing Crisis, its Architects, and its Victims: 1. The lead-up to the crisis; 2. The crisis hits; 3. At your (mortgage) service; Part II. Foreclosures, Middlemen, and Homeowners in Crisis: 4. The most important document you've never read; 5. Lost and sign on the dotted line; 6. Break-In foreclosures; Part III. Solutions and Moving Forward: 7. Regulating mortgage servicing; 8. Reforming mortgage law and practice; Conclusion.

'An eye-opening and heart-stopping analysis of the role mortgage servicers played in the housing crisis. Odinet reveals the continuing abuses inflicted upon homeowners by this hidden sector of the economy and proposes appropriate regulation. Beautifully written, supported by evidence, and carefully argued - this book is a masterpiece.' Joseph William Singer, Bussey Professor of Law, Harvard Law School