For many Americans, buying a home is part of the American dream. However, it can also be a complicated process. In Real Estate Transactions and Foreclosure Control-Home Mortgage Reference Handbook, author Frank M. Igah, Ph.D. provides a detailed overview of the home buying and selling process and discusses the pitfalls to avoid. Having functioned as a licensed certified loan officer, Dr. Igah takes the guesswork out of buying and selling a home. He explains the importance of home purchases and defines home mortgage and real estate transactions. Dr. Igah discusses the core activities for before, during, and after mortgage financing. He details fraud, cheating, and property theft against home buyers, and reviews the most significant issues of foreclosures with repossessions. Finally, Dr. Igah introduces and explains the Real Estate Foreclosure Accommodation (REFA) program and describes the Reverse Mortgage Program (RMP). Filled with sound advice, Real Estate Transactions and Foreclosure Control-A Home Mortgage Reference Handbook helps home buyers and sellers navigate the sometimes murky world of real estate transactions.
An institutional investor's guide to the burgeoning field of reverse mortgage securitization Reverse Mortgages and Linked Securities is a contributed title comprising many of the leading minds in the Home Equity Conversion Mortgages (HECM) industry, including reverse mortgage lenders, institutional investors, underwriters, attorneys, and regulators. This book begins with a brief history of reverse mortgages, and quickly moves on to discuss how the industry has evolved-detailing the players in these markets as well as the process. It discusses the securitization of reverse mortgages and other linked securities and includes coverage of pricing techniques and risk mitigation. This reliable resource also takes the time to cover the current regulatory environment of the HECM market, which is constantly changing due to the current state of the real estate market. * Highlights specific strategies that will allow institutional investors to benefit from the resurgence of reverse mortgages and linked securities * One of the only guides to reverse mortgages and linked securities targeted towards institutional investors interested in securitized products If you want to make the most of reverse mortgages and linked securities, take the time to read this book.
Find out essential mortgage terms you should know.One of the most important decisions that you can make is buying a home and taking out a mortgage to pay for the house. The decisions you make on your mortgage will have financial ramifications for years to come. If you find yourself overwhelmed and confused by all the mortgage terms out there, don’t worry because you’re not alone. Getting a mortgage can be a complicated process, made worse by all the unfamiliar terminology your mortgage lender might use. From lender to loan to closing your home...With the terminology used in discussing mortgages such as appraisals, equity, escrow, points, and settlement costs, most common people can become easily confused. Mortgage professionals can speak in a language all of their own and the lingo used is unique.This practical mortgage guide covers topics like:Mortgage lending and brokersSubprime, reverse, and FHA mortgageCommercial and residential mortgageEscrow, points, and settlement costsHome equity and loan modificationThis practical glossary in alphabetical order compiles a list of over 125 most important mortgage terms you’re likely to encounter. Every mortgage term is explained in detail, with clear and concise article-style description and practical examples.It will help you understand most common mortgage terms that you might encounter, and what role they play in the mortgage process. Use this glossary of mortgage terms to better understand the overall mortgage process as well as any specific mortgage terms that may be unfamiliar to you.PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. 1. Language: English. Narrator: William Bahl. Audio sample: http://samples.audible.de/bk/acx0/171145/bk_acx0_171145_sample.mp3. Digital audiobook in aax.
Die Arbeit untersucht die wirtschaftlichen und rechtlichen Grundlagen des Immobilienverzehrkreditvertrages gem. 491 Abs. 3 S. 4 BGB unter Einbeziehung der US-amerikanischen Reverse Mortgage. Der Autor zeigt auf, dass der Vertrag als Darlehensvertrag mit grundsätzlich lebenslanger Bindung einzuordnen ist, bei dem die Haftung des Darlehensnehmers auf dessen Wohnimmobilie beschränkt ist. Er ordnet den Vertrag unter Auslegung des Tatbestandes in die Systematik des BGB ein und arbeitet dessen dogmatische Grundlagen heraus. Nach einer Darstellung der Risikostruktur und einer Auseinandersetzung mit möglichen Wirksamkeitshindernissen, widmet sich der Autor ausführlich der dogmatischen Konstruktion der Haftungsbeschränkung, der Wirksamkeit vertraglich vereinbarter außerordentlicher Kündigungsgründe (sog. »default events«) und dem Prozedere nach Fälligkeit. Abschließend zeigt er die Schwächen des Verbraucherschutzsystems de lege lata auf und entwirft einen Regelungsvorschlag de lege ferenda.
With How to Make Your Money Last, you will learn how to turn your retirement savings into a steady paycheck that will last for life. Today people worry that they're going to run out of money in their older age. That won't happen if you use a few tricks for squeezing higher payments from your assets - from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and - critically - how much to withdraw from your savings each year). The right moves will not only raise the amount you have to spend; they'll stretch out your money over many more years. You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices, the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you'll still have spending money 10 and 20 years from now, you have to invest for growth today. Quinn shows you how. At a time when people are living longer yet retiring with smaller pots of savings than they'd hoped for, this book will become the essential guide. 1. Language: English. Narrator: Amanda Carlin. Audio sample: http://samples.audible.de/bk/sans/007312/bk_sans_007312_sample.mp3. Digital audiobook in aax.
Erscheinungsdatum: 13.06.2014, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Il reverse mortgage può davvero ridurre la povertà tra gli anziani?, Titelzusatz: Un'analisi empirica sulle condizioni economiche degli 'house rich-cash poor', Autor: Colomba, Eleonora, Verlag: Edizioni Accademiche Italiane, Sprache: Italienisch, Rubrik: Wirtschaft // Wirtschaftsratgeber, Seiten: 128, Informationen: Paperback, Gewicht: 207 gr, Verkäufer: averdo
What retirement income experts can teach you about your largest asset. Longevity potentiates volatility or, in other words, the longer you live, the greater probability something bad will happen. Since we do not know how long we will live, we must be prepared for the long game. Deploying the home asset strategically and early in retirement converts an illiquid, indivisible asset into a shock absorber for the future. The fully updated and expanded second edition to What's The Deal With Reverse Mortgages? explains in simple language how to safely and effectively include the home in retirement planning. Shelley Giordano shares: A clear roadmap to use the HECM (Home Equity Conversion Mortgage) to solve financial challenges 4 vital pieces of information (the 4 Nevers ©) that demolish the negative lore that attends reverse mortgages How reverse mortgages have changed, and why retirement experts recommend a new approach to them A thorough review of evolving reverse mortgage safeguards over the years and how retirement income experts recommend them If you are a financial professional working with retirees, you will want to share this book with your clients. If you are a retiree overseeing your own retirement spending, you will want do the same with whomever it is giving you retirement advice.
Erscheinungsdatum: 16.08.2013, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Reverse Mortgage, Titelzusatz: Chancen und Einführungshemmnisse für Kreditinstitute in Deutschland, Autor: Dietrich, Michael, Verlag: Josef Eul Verlag GmbH // Josef Eul Verlag, Sprache: Deutsch, Rubrik: Betriebswirtschaft, Seiten: 88, Informationen: Paperback, Gewicht: 144 gr, Verkäufer: averdo
Home Reversion und Reverse Mortgage: Ein Beitrag zur Erklärung der Nachfrage nach Immobilienverzehrprodukten in Deutschland ab 21.7 € als pdf eBook: . Aus dem Bereich: eBooks, Belletristik, Erzählungen,
Economics / Investments & Securities Praise for Reverse Engineering Deals on Wall Street with Microsoft Excel 'Allman has written an excellent sequel to his first book Modeling Structured Finance Cash Flows with Microsoft Excel, providing a simple guide on how to deconstruct cash flows through modeling and understanding the collateral by analyzing the prospectus. Whether you are new to the structured finance industry or steeped in structured financing-this book is a must-read.' -Ralph Armenta, PMI Mortgage Insurance/Structured Transactions 'The credit crisis has shown that more financial institutions and analysts need to be able to reverse-engineer structured finance deals to assess their values and risks for themselves. Keith Allman has produced a thorough guide for creating reverse-engineered models that both beginners and experienced analysts will find invaluable.' -Chandan Sengupta, author of Financial Modeling Using Excel and VBA A serious source of information for those looking to reverse-engineer business deals How does Wall Street keep track of the competition? They reverse-engineer deals by taking a prospectus or term sheet and recreating a model from it. The skills involved in this task are sophisticated, but are important to understand-especially in today's dynamic business environment. In this practical resource, financial professional Keith Allman demystifies the process by interpreting complicated legal terminology and clearly showing how it can be organized into a dynamic model. Step by step, Allman walks you through this endeavor with textual excerpts from the prospectus and details how it directly transfers to a model. Each chapter begins with a discussion of concepts with exact references to an example prospectus, followed by a section called 'Model Builder,' in which Allman translates the theory into a fully functioning model for the example deal. In addition, the companion CD-ROM features all of the modeling exercises, as well as a final version of the model that is outlined in the text.
Now that the Republicans have taken the House, How can they use their majority to reverse Obama's socialist agenda? Revolt! lays out a game plan for success. Dick Morris and Eileen McGann explain how to use the debt limit and budget fights to force Obama to accept Republican policies while, at the same time, undermining his chances of victory in 2012. Obamacare? Morris and McGann explain how to block the IRS enforcement of the requirement that everyone buy health insurance and how to stop the Medicare cuts and rationing. Crippling Talk Radio and Taking Over the Internet? They explain how to prevent the FCC from blocking free speech in America. Cap and Trade? They offer a blueprint for how to cut off EPA funding to stop it from imposing carbon taxes and regulation. Unless we read their plan and act to implement it, Obama will raise taxes, end the mortgage interest and charitable deduction, raise Social Security taxes, and add trillions more to the federal deficit in the process. Conservatives need to fight back and Morris and McGann explain how to do it. Revolt! is their most important book yet. The GOP won the elections of 2010. Revolt! explains how to translate this avalanche of votes into power and action in Washington. Their plea: Don't surrender. Don't compromise. Don't give in. Just push ahead and win! 1. Language: English. Narrator: Pete Larkin. Audio sample: http://samples.audible.de/bk/harp/002426/bk_harp_002426_sample.mp3. Digital audiobook in aax.
For people over the age of sixty, New York City is a cluttered attic -- a mess of valuables that cannot be ignored, but that for the most part remains buried in jargon, agencies, regulations, and eligibility forms. New York City is, after all, a place that offers seniors everything from discount tickets for Broadway shows to social service agencies for those who speak foreign languages including Spanish, Cantonese or Tagalog. It is a place of endless benefits for those who can dig through the junk in the attic, organize what is there and still have the desire to leave the house. Take Charge! The Complete Guide to Senior Living in New York City is the first book to gather, in a single volume, information and advice for people over sixty who want to make the most of the city. Here at last is an all-inclusive guide that addresses every concern for senior New Yorkers, from entertainment and healthcare to housing and taxes. Take Charge! reaches beyond merely listing phone numbers and programs to giving advice on a number of areas, from choosing an HMO, a reverse mortgage, or an elder law attorney, to receiving travel discounts and negotiating home care. Containing everything a person over sixty needs to know to make the most of life in New York City, Take Charge! is the only comprehensive guide available for New York seniors and their families.