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Reason
January 2009
Michael Flynn |
Anatomy of a Breakdown Concerted government policy helped trigger the financial meltdown -- and will almost certainly extend it.   |
The Motley Fool
July 17, 2007
Sham Gad |
What Sparked the Subprime Explosion? Some really smart people have taken one asset -- the plain old mortgage -- and singlehandedly created layers and layers of financial instruments that are predicated on it. Like dominoes, one by one, these securities are now tumbling and leaving investors and homeowners to clean up the mess. |
Finance & Development
September 8, 2008
Andreas Jobst |
Back to Basics What is securitization? |
The Motley Fool
July 14, 2008
Dan Caplinger |
Curtains for the American Dream? How trouble with Fannie and Freddie could affect your ability to get a mortgage. |
The Motley Fool
July 12, 2007
Rich Duprey |
The Newest Homeowners: Big Banks The vortex of price declines sucking down values could spiral out of the investment bankers' control, leading to their own subprime devaluation. Investors, take note. |
BusinessWeek
April 16, 2007
Dawn Kopecki |
How Big Is The Bite On Fannie And Freddie? Freddie Mac's and Fannie Mae's exposure to risky loans could be bigger than they say. |
Financial Planning
December 1, 2007
Elizabeth O'Brien |
Subprime Truths and Consequences The continuing credit crunch spotlights the perils of leverage. How should your financial advisory clients respond? |
Financial Advisor
July 2007
Eric L. Reiner |
Housing Sings The Blues Real estate woes bring both worry and opportunity to the financial sector. |
Real Estate Portfolio
Sep/Oct 2007
Dees Stribling |
Coming into Focus Mortgage REITs of all stripes tighten their lending practices to improve their outlook going forward. The subprime event may mark a permanent change in the business environment for mortgage REITs, as well as mortgage lenders and investors. |
BusinessWeek
September 3, 2007
Roben Farzad et al. |
Not So Smart In an era of easy money, financial institutions forgot that the party can't last forever. |
The Motley Fool
June 27, 2007
Emil Lee |
Securitization Simplified Securitization is complicated, but understanding the mechanics will help you evaluate many financial companies. Here is a brief primer on collateralized debt obligations. |
The Motley Fool
October 22, 2007
Emil Lee |
Is the Carry Trade for You? A carry trade can be defined as borrowing at a low interest rate and then lending at a higher rate. Because carry trades are at the mercy of the liquidity of the markets, they are highly risky. Investors, beware. |
Real Estate Portfolio
Jul/Aug 2002 |
A New Phase for Mortgage REITs Even beyond the numbers, mortgage REITs today are better prepared to deal with adverse environments than in the past. However, given their diverse business models and risk exposures, there are still challenges that remain. |
The Motley Fool
August 16, 2007
John Rosevear |
Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history. |
U.S. Banker
May 2003
John Engen |
Out of Step They're exempt from state and local taxes and from registering most securities with the SEC. They have sharply lower capital requirements. Combined, these factors give Fannie Mae and Freddie Mac a gargantuan advantage in the market. Their "mission creep" has most bankers seeing red. |
The Motley Fool
April 27, 2010
Dan Caplinger |
This Will Bring On the Real Recovery Now, some positive signs in mortgage financing are bolstering the argument that for real estate, the worst is truly over. |
U.S. Banker
May 2007
Thomas P. Vartanian |
Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate. |
Finance & Development
September 2009
Randall Dodd |
Overhauling the System The United States is proposing the most radical reform of financial regulation since the New Deal. |
The Motley Fool
October 6, 2004
Bill Mann |
What Does Fannie Mae Do? Fannie Mae's charter calls on it to ensure that the mortgage market is awash in enough cash so that Americans face minimal problems in their dream of owning a home. But how? And why are its accounting problems such a big deal? |
BusinessWeek
August 20, 2007
Jack Ewing |
European Banks' Last Laugh (Extended) European lenders tend to keep the risk in-house, so they're more careful about who borrows. Home buyers take on a lot less debt. |
BusinessWeek
September 3, 2007
Peter Coy |
It's Out Of Bernanke's Reach There's little the Fed can do about the information gap behind investors' panic. |
FDIC FYI
November 4, 2003
Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. |
Investment Advisor
August 2007
Jeff Joseph |
The Far Reach of Subprime Woes Leveraged loans to companies are likely to be adversely affected by hedge fund losses from collateralized debt obligations. |
| FDIC FYI |
FYI: An Update on Emerging Issues in Banking Assessing the banking industry's exposure to an implicit government guarantee of gses |
The Motley Fool
September 24, 2007
Dan Caplinger |
A Jumbo Opportunity Interest rates on jumbo mortgages rose nearly half a percentage point in August, even as regular mortgage rates were mostly coming down. Is it time to raise the jumbo loan amount minimum? |
U.S. Banker
August 2001
Ted Cornwell |
Fears of Defaults Subprime loans are behind the fears. They have not been tested in a declining economy and analysts don't know what to expect. |
Financial Planning
December 1, 2007
Jerry Webman |
The Credit Crunch A Wall Streeter explains what happened and how the financial markets got into their current state. |
The Motley Fool
March 24, 2008
Rich Duprey |
Fannie Awaits the Wrecking Ball Mortgage guaranty company Fannie Mae is set for demolition after the Fed's recent moves. |
Financial Advisor
March 2006
Marla Brill |
Mortgage Bonds Offer Mixed Bag A cooling housing market, rising interest rates and regulatory scrutiny have bond fund managers and fixed-income strategists keeping a watchful eye on the direction of the $5.8 trillion mortgage-backed securities market. |
Registered Rep.
March 1, 2006
Jennifer Popovec |
Watch Your Back Investments that everyone thought were safe -- residential mortgage-backed securities (RMBS) -- may be far riskier than expected. |
The Motley Fool
August 21, 2007
Nathan Parmelee |
Quick Take: No More Jumbo Loans From Capital One Capital One pulls the plug on its nonconforming mortgage business. |
The Motley Fool
January 25, 2010
Morgan Housel |
Fannie and Freddie Are Dead. What's Next? Housing, sans Uncle Sam. |
BusinessWeek
July 30, 2007
Dawn Kopecki |
Why Fannie And Freddie Are Fidgety The financial giants are loaded down with dicey loans as defaults increase. |
The Motley Fool
February 28, 2011
Dan Caplinger |
Why Getting a Mortgage Will Never Be the Same Lots of changes are happening to the mortgage market. |
Commercial Investment Real Estate
Sep/Oct 2005
Andrew Stewart |
7 Real Estate Finance Myths Unveiled Discover the market factors that really are influencing today's real estate transactions. |
BusinessWeek
March 19, 2007
Der Hovanesian & Goldstein |
Who Will Get Shredded? As the subprime business tanks, the pain is spreading to a wide swath of investors. |
Bank Systems & Technology
July 23, 2008
Orla O'Sullivan |
Fannie, Freddie Troubles May Have Been Avoided If Technology Was Used Properly As observers watch cash-strapped Fannie Mae and Freddie Mac being propped up by the government, many wonder how technology failed to save the agencies and the lenders supplying mortgages to them from being left holding the bag on so many bad loans. |
BusinessWeek
October 11, 2004
Joseph Weber |
Why Low-Income Lending Won't Take A Hit If Fannie Mae pulled back, private lenders would step in. Banks and other lenders have already increased their lending to low-income buyers -- and have found that the business they once avoided is lucrative. |
The Motley Fool
November 28, 2008
Dan Caplinger |
Last Call for Smart Homeowners The Fed's recent move has triggered a sharp downtick in mortgage rates. If you want to refinance, it may be now or never. |
U.S. Banker
September 2008
John Engen |
Future Shock Where to start when trying to figure out how the banking industry got into the mess it's in today? And where, exactly, do we go from here? |
Investment Advisor
October 2007
Jason Brady |
Bottleneck While driven by fundamental weakness in U.S. real estate, in particular subprime loans, the current liquidity crisis has become a general lack of confidence in banking and financial institutions globally. |
Bank Technology News
January 2008
Glen Fest |
Risk Without Reward The subprime mess has exposed how fragile banks are today to market pressures, and how much can fall on the shoulders of risk officers. Finding a path forward from the ashes will require stronger leadership overseeing risk. |
Commercial Investment Real Estate
Nov/Dec 2008
James Kirkpatrick |
Financial Survival Learn how to stay afloat in the commercial real estate market as terror strikes the credit market. |
U.S. Banker
January 2008
Joseph Rosta |
MBS Risk Models Ignored Fundamental Tension It seems obvious now, in hindsight, that the welding that holds mortgages and investment vehicles together was bound to fail, due to a poorly understood tension between home owners and investors.l |
BusinessWeek
September 17, 2007
Dawn Kopecki |
The SEC Wants More Answers The Securities & Exchange Commission is expanding its probe into the mortgage mess. |
BusinessWeek
September 17, 2009
Palmeri & Francis |
How Real Is the Rally in Real Estate Bonds? Companies are jumping back into mortgage securities, but they may regret their moves. |
HBS Working Knowledge
February 24, 2011
Sean Silverthorne |
What's Government's Role in Regulating Home Purchase Financing? The private market should be the main supplier of mortgage credit, but it should be carefully monitored using new approaches to regulating mortgage securitization. The government should play a role of "guarantor of last resort" in periods of crisis. |
The Motley Fool
November 5, 2007
Sham Gad |
The 1987 Crash -- a Dress Rehearsal? If mortgages continue to deteriorate at such an accelerating pace, the result could make the October 19, 1987 Black Monday Crash seem like a dress rehearsal. |
Financial Planning
April 1, 2008
Donald Jay Korn |
Ginnie Mae's Day For planners looking for the safety and cash flow offered by intermediate-term government bond funds, Ginnie Maes may currently be the most appealing option. |
The Motley Fool
August 31, 2011
Dan Caplinger |
A Jumbo Problem for Housing Limits on loans by Congress will hurt hard-hit high-end housing markets. |
