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Homeownership Costs and Housing Affordability Sensitivity
(Gaines) No. 1789, Technical report, 22pp. (10/4/2006) |
 Real estate agents, homeowners and prospective homeowners know the key to acquiring a home is qualifying for the purchase mortgage. This analysis explores the role that principal, interest, taxes, utilities and insurance have on affordability.
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"2005 Update: Rules Govern Contracts for Deed"
(Fambrough) No. 1754, Reprint, 5pp. (10/20/2005) |
 Legislation passed in 2005 brought about a number of new rules governing both existing and newly executed contracts for deed and places greater burdens on residential lenders and brokers.
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"What's the Deal with Fannie and Freddie?"
(Harris) No. 1745, Tierra Grande reprint, 4pp. (10/14/2005) |
 Everyone knows them. But not many of us understand them. Here's the backstory on these giant government-sponsored entities.
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"Buy Now, Pay Later. Risks of Aggressive Financing"
(Evans & Cowley) No. 1625, Tierra Grande reprint, 2pp. (7/10/2003) |
 Initially low interest rates and low down payments make aggressive financing programs popular with homebuyers. But over the long haul, some people find they've bitten off more than they can chew.
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"Romancing the Loan"
(Harris) No. 1598, Tierra Grande reprint, 2pp. (1/15/2003) |
 Refinancing a home loan is attractive when rates are falling. Find out if the new rate is low enough to make it worth while.
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"Mortgage Rate and Inflation: An Intimate Relationship"
(Dotzour & Anari) No. 1583, Tierra Grande reprint, 3pp. (10/30/2002) |
 Mortgage lending is a risky business. Here's why the expected inflation rate is the key factor in determining the mortgage interest rate.
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"Housing Counciling Agencies: Missionaries for Affordable Housing"
(Harris) No. 1566, Tierra Grande reprint, 3pp. (8/2/2002) |
 Housing counseling agencies help families find home-buying assistance and prepare them to enter the market. Real estate agents should be familiar with these resources.
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"The Fed Rate Versus Mortgage Rates"
(Dotzour) No. 1557, Tierra Grande reprint, 1pp. (4/23/2002) |
 When clients ask why Alan Greenspan's interest rate reductions don't make mortgage rates go down, say it's a good question, and then impress them with this "big picture" explanation.
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"Déjà vu: High-Risk Loans Revive Specter of '80s Debacle"
(Harris) No. 1539, Tierra Grande reprint (1/17/2002) |
 Will the push to broader homeownership lead to the type of financial disaster experienced in the 1980s? This article explores the evidence.
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"Refinancing and the U.S. Economy"
(Dotzour & Anari) No. 1542, Tierra Grande reprint (1/17/2002) |
 Refinancing offers obvious benefits for mortgage holders. But the national economy reaps rewards, too.
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"Every Day is Veterans Day: State Honors Military with Low-Internest Loans"
(Sheffield & Dotzour) No. 1505, Tierra Grande reprint, 2pp. (7/18/2001) |
 The Texas Veterans Land Program isn't just for low-interest, long-term loans any more.
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"FHA Loans: Timeworn or Timeless?"
(Harris) No. 1500, Tierra Grande reprint, 3pp. (7/18/2001) |
 Is the FHA still important to first-time buyers? This article companies today's FHA loans with conventional loans and explores the role of the FHA in the market.
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Affordable Housing Programs Resource Guide
(Harris) No. 1262, Special report, 38pp. (6/13/2001) |
 "Affordable housing" has received considerable government support in recent years. This guide describes most of these programs and helps readers find the programs most appropriate for their purposes.
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Consumer's Guide to Mortgage Finance
(Harris) No. 1420, Technical report, 35pp. (8/23/2000) |
 Shopping for a loan to finance a home purchase? This guide explains the loan application process and how new home mortgage loans work.
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"Fair Housing Lending Fares Well"
(Hulen & Evans) No. 1276, Tierra Grande reprint, 2pp. (1/10/1999) |
 Enforcement of the Home Mortgage Disclosure Act appears to have had a positive impact on the number of people able to obtain a mortgage.
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"Where Lenders Fear to Tread"
(Harris) No. 1274, Tierra Grande reprint, 2pp. (1/10/1999) |
 A surprising number of Texas lenders are not actively promoting home equity loans. Many are avoiding them altogether. This article explains why.
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"REITs: Over Heated or Just Red Hot?"
(Etter) No. 1242, Tierra Grande reprint, 3pp. (5/13/1998) |
 Real estate investment trusts continue raising substantial capital to acquire existing properties or finance new ones. Some fear this will lead to overbuilding and another real estate collapse. This article looks at the past, present and future of REITs.
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"To Tell the Truth About PMI"
(Hopfe & Harris) No. 1226, Tierra Grande reprint, 5pp. (4/1/1998) |
 An explanation of private mortgage insurance (PMI), new Texas laws affecting cancellation and a description of alternatives.
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"Estimating Value: The Role of Expectations"
(Etter) No. 1127, Tierra Grande reprint, 2pp. (7/8/1996) |
 An investor's expectations about the future play a key role in estimating current value of a particular real property. This article examines two important approaches to estimating value.
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"How Present Value Works"
(Etter) No. 765, Tierra Grande reprint, 3pp. (6/24/1996) |
 Present value analysis, a fundamental tool in financial analysis, provides a way to deal with expected cash outlays and benefits to be paid and received over time. This article explains present value and its application to investment decision making.
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