2007, 2008, 2014 and Government Agency - Public Administration Today

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2014

Government Agency

Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

APRIL 29, 2024

5 This is because the government has put considerable time and resources into developing lower downpayment alternatives that are still of acceptable credit quality to the government agencies that provide most mortgage credit today. The 2007 GAO report indicates this has been the historic practice in the title insurance business.

Housing

Housing Regulations 2007 Article

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

MAY 31, 2023

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008.

Government

Government 2008 Housing Implementation

Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

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