Real Estate Essays

Fannie Mae’s Fraud 1. Fannie Mae was established in 1938 as a federal charter under President Franklin Roosevelt as a secondary market to expand the flow of mortgage money under any economic condition because millions of Americans could not become homeowners before Fannie Mae. In 1968 Fannie Mae was rechartered by congress as a shareholder […]

The collapse of Northern Rock serves as a significant example in the banking economics and regulation field, highlighting the far-reaching effects that issues can have. The Bank of England provided emergency funding for Northern Rock, which is the UK’s fifth-largest mortgage lender, showcasing how highly interconnected the worldwide financial system is. As a result of […]

The Federal National Mortgage Association, commonly referred to as Fannie Mae or FNMA, is a government sponsored enterprise (GSE) that was created by Congress in 1968. Nevertheless, its origins can be traced back to the Great Depression in 1938.Contrary to popular belief, Fannie Mae’s main function is not to directly provide home loans to consumers. […]

Regulation of a market economy is reported to come at significant cost not only from responsible agencies enforcing the regulation but also by the relevant stakeholders undertaking actions to comply (McNeil & O’Brien 2010, p. 66). However the market economy relies greatly on stakeholders such as Investors having confidence and trust in the system. In […]

This American Life’s “Giant Pool of Money/’ two biases are present, the regression to the mean and the confirmation bias. Almost everyone thought that the housing market would Increase forever, all the while Intelligent people who knew better, kept listening only to what they wanted to hear. By dissecting these two biases we can gain […]

After the financial crisis, a comparison was made of mortgage markets in the US, UK, Ireland, and Australia to identify emerging trends resulting from regulatory and economic developments. The analysis involved evaluating leading lending banks and their shares in the mortgage market. Irresponsible lending practices led to foreclosures causing severe impacts on various economies worldwide […]

An unadjusted rate, value or change in value. This type of measure often reflects the current situation, such as the current price of a car, and doesn’t make adjustments to reflect factors such as seasonality or inflation, which provide a more accurate measure in real terms. One: We put off our spending as we know […]

The term predatory lending has been redefined in recent months to refer to accusations of sub-prime lending that takes advantage of borrowers’ lack of knowledge or options. However, there has been a notable absence of a precise definition for predatory lending. Defining the term has been problematic for our federal regulators, and the distinctions between […]

Sociology’s current focus is on the debate surrounding globalisation. In this essay, the subject of globalization is explored in relation to various factors including technological advancements, the rise of ‘global media’, and western ‘cultural imperialism’. The focus is on two arguments related to the cause of globalization: the ‘single casual logic’ and the ‘complex multi-casual […]

In today’s interconnected world, people from all around the globe are able to connect and influence each other through communication in different areas of life. An important factor for a country’s success is its active involvement in business sciences and electronic commerce. At present, the USA holds the title as the most industrialized nation worldwide. […]

The rise of millennials in the global workforce is posing challenges for traditional industries, such as real estate and mortgage lenders. With studies frequently contradicting one another, it can be difficult to know how to appeal to this scrutinized generation that will make up half the workforce by 2020. Tri Nguyen, CEO and founder of […]

The current global economic situation is causing worry in countries across the globe. Experts in finance attribute this crisis to a variety of factors, including interest rates and political conditions. The fallout from this crisis puts numerous companies in danger, either faced with high amounts of debt or on the brink of bankruptcy. Due to […]

A project aimed at modeling and utilizing information to support prediction, calculation of costs, and probability assessment will be conducted. Programs of this nature are widely recognized for their application in both simple and complex tasks across the globe. For instance, weather stations employ supercomputers to anticipate weather variations based on data obtained from preceding […]

Choosing the right location is crucial for businesses as it directly impacts their customer base. Failure to do so may result in reduced customer attraction. Every month, the company has to pay for fixed expenses such as rent/mortgage, bills, and wages which do not generate any direct return on investment and can be overwhelming. Furthermore, […]

The crisis of 2008-2009 on the World Wide Web was significantly influenced by borrowers with a damaged or limited credit history, as defined by investopedia.com. This essay will investigate the events that ultimately resulted in numerous mortgage delinquencies and foreclosures among subprime borrowers, compelling insurance company AIG and several other banks to seek bailout funds […]

Established in 1969, Countrywide Financial became a major lender by providing subprime mortgage loans to individuals who wouldn’t normally qualify for conventional loans, such as those with low income, no credit history, or poor credit scores. However, when the economy slowed down, many people struggled to repay these mortgages. This had a negative impact on […]

The following article focuses on the process of costing and pricing a product for organizations, regardless of their activity level. It highlights the significance of taking into account different costs, such as vehicle purchasing or maintenance expenses, while considering their specific characteristics.The following expenses are deducted from the gross income: Mortgage, Business Rates, Wages Extra […]

The Daily Show’s Jon Stewart is usually informative, comical, and humorous. The late night satirical program is seemingly at the direction of Stewart, making his job one to be envied. The Daily Show draws its satire and comedy from a host of sources including politics, media, news stories, and often draws comedy from aspects of […]

Charles Wheelan explores a variety of controversial topics in his book Naked Economics. Economics, as a social science, studies the creation, distribution, and consumption of goods and services. The economy is ultimately shaped by human actions and behaviors. Individuals have significant power over the economy through direct or indirect methods. Just like nature, humans are […]

This report will examine the affects of the global financial crisis, which was a result of the collapse of the sub-prime mortgage market in the United States, on the UK economy. First of all, it will look at the background of the global financial crisis. Secondly, this paper will analyses why the UK economy has […]

The secondary mortgage market was the selling of bonds, with a promise to be paid back with mortgage loans. The lender, whomever that may be, groups together the bonds and sells them. These are called CMO’s, Collateralized Mortgage Obligations. The risk of these loans in fully diminished because it is no longer an individual loan […]

Student Education Loan Fund, Inc (Abridge) Introduction Background of case Study Rick Melnick is an Associate Director of Financial Management at Harvard Business School. He had a decision to make regarding the new funding policy under the management of Student Educational Loan Fund. SELF was established in 1961 to fund loans to HBS. Traditionally, HBS […]