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"Psst! Heard About EEMs? "
(Hunt) No. 1892, Tierra Grande reprint, 3pp. (1/19/2009) |
 FHA's Energy Efficient Mortgage (EEM) Program allows the costs of purchasing and installing energy-efficient features to be incorporated into FHA-insured new home loans or refinancing loans.
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"Opening Doors: Help for Rural Homebuyers"
(Pope) No. 1863, Tierra Grande reprint, 2pp. (7/20/2008) |
 The USDA Rural Development Guaranteed Rural Housing Program enables eligible Texans with low or moderate incomes who live in rural areas to purchase homes without a down payment. More than $163 billion in financial assistance is available.
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"Recognizing Mortgage Fraud"
(Fambrough, Garner & Meyer) No. 1846, Tierra Grande reprint, 2pp. (1/20/2008) |
 Mortgage fraud is a serious offense that negatively affects the entire industry. Practitioners can report suspected fraud to authorities without fear of reprisal.
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"The Value of Subprimes"
(Gaines) No. 1824, Tierra Grande reprint, 4pp. (7/23/2007) |
 Subprime loans are high-risk loans and consequently have much higher delinquency and foreclosure rates. But they are useful to buyers with low, bad or no credit, may of whom would not be able to purchase a home without them. Much of the negative media attention related to subprimes has focused on predatory lending and other illegal practices, which must be stopped.
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"Lordy, Lordy Look What's 40 . . . and Even 50"
(Hunt) No. 1792, Tierra Grande reprint, 3pp. (10/20/2006) |
 Contrary to what most homebuyers would expect, under certain conditions, longer-term hybrid ARM mortgages may be less affordable than the popular 30-year conventional loan.
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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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"Reversal of Fortune"
(Harris) No. 1667, Tierra Grande reprint, 3pp. (4/20/2004) |
 Senior citizens keep their home and still derive income from it by using a reverse mortgage. Here is a short introduction to a potentially useful financial tool.
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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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"Rising Rates: Increasing Mortgage Cost May Cool Housing Demand"
(Research Staff & Harris) No. 1354, Tierra Grande reprint, 2pp. (1/11/2000) |
 The Center staff examines the case for higher interest rates.
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"Conduits: Your Route to Investing in Mortgage-Backed Securities"
(Rhodes, Price & Etter) No. 1281, Tierra Grande reprint, 4pp. (4/27/1999) |
 Conduits are a new source of funds for commercial and multi-family borrowers. They are investors who buy commercial-backed securities.
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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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"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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"Potential Pitfalls Face Texas Home Equity Lenders"
(Fambrough) No. 1252, Letter of the Law reprint, 3pp. (1/1/1998) |
 The amendment authorizing Texas home equity loans dictates at least 25 requirements necessary to create a valid equity lien on homestead property. Many are ambiguous and vague.
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"Calculating Mortgage Loans"
(Etter) No. 923, Tierra Grande reprint, 3pp. (6/23/1995) |
 Solving a problem sometimes requires more than knowing the proper keys to push on a calculator or computer. Knowledge of basic present value concepts provides greater understanding of the result.
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