List of Mortgage Bailout Program ebooks

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Bailout
by Neil Barofsky

In this account of his stranger-than-fiction baptism into the corrupted ways of Washington, Neil Barofsky offers an irrefutable indictment, from an insider of the Bush and Obama administrations, of the mishandling of the $700 billion TARP bailout fund. In behind-the-scenes detail, he reveals proof of the extreme degree to which our government officials bent over backward to serve the interests of Wall Street firms at the expense of the broader public–and at the expense of effective financial reform. During the height of the financial crisis in 2008, Barofsky gave up his job as a prosecutor in the U.S. Attorney’s office in New York City, where he had convicted drug kingpins, Wall Street executives, and perpetrators of mortgage fraud, to become the special inspector general in charge of oversight of the spending of the bailout money. From his first day on the job, his efforts to protect against fraud and to hold the big banks accountable for how they spent taxpayer money were met with outright hostility from the Treasury officials in charge of the bailouts. Barofsky discloses how, in serving the interests of the banks, Treasury Secretary Timothy Geithner and his team worked with Wall Street executives to design programs that would funnel vast amounts of taxpayer money to their firms and would have allowed them to game the markets and make huge profits with almost no risk and no accountability, while repeatedly fighting Barofsky’s efforts to put the necessary fraud protections in place. His investigations also uncovered abject mismanagement of the bailout of insurance giant AIG and Geithner’s decision to allow the payment of millions of dollars in bonuses–including $7, 700 to a kitchen worker and $7,000 to a mail room assistant–and that the Obama administration’s “TARP czar” lobbied for the executives to retain their high pay. Providing details about how, meanwhile, the interests of homeowners and the broader public were betrayed, Barofsky recounts how Geithner and his team steadfastly failed to fix glaring flaws in the Obama administration’s homeowner relief program pointed out by Barofsky and other bailout watchdogs, rejecting anti-fraud measures, which unleashed a wave of abuses by mortgage providers against homeowners, even causing some who would not have lost their homes otherwise to go into foreclosure.

The Global Debt Trap
by Claus Vogt, Roland Leuschel, Martin D. Weiss

German bestseller about the best ways to protect oneself financially from the threats posed by government?s interference in the economy

After the bursting of the real estate bubble, the U.S. pushed a monetary and fiscal policy that is, at best, blatantly wrong and, at worst, carries enormous financial risk. And because Washington knows this, America?s greatest weapon?its propaganda machine?has been called into service, diverting attention away from the fact that it was and continues to be government interference in the market economy that?s lead us to where we are now, namely at the end of one financial calamity and the beginning of yet another. A plea for the market economy, The Global Debt Trap: How to Escape the Danger and Build a Fortune details the cause of our current economic crisis and argues that political mismanagement endangers finances, health and, in extreme cases, democracy itself.
?    Advocates the freedom of the individual and the capitalist economic system derived from it
?    Foreword by Martin Weiss, bestselling author of The Ultimate Depression Survival Guide, by Wiley
?    Other titles by Leuschel and Vogt: The Greenspan Dossier
Every crisis offers opportunities for those who have prepared. The Global Debt Trap: How to Escape the Danger and Build a Fortune shows how to prepare for the aftermath of years of government interference in the market economy.


Urbanization and Growth
by Michael Spence, Patricia Clarke Annez, Robert M. Buckley

Why is productivity higher in cities? Does urbanization cause growth or does growth cause urbanization? Do countries achieve rapid growth or high incomes without urbanization? How can policy makers reap the benefits of urbanization without paying too high a cost? Does supporting urbanization imply neglecting rural areas? Why do so few governments welcome urbanization? What should governments do to improve housing conditions in cities as they urbanize? Are innovations in housing finance a blessing or a curse for developing countries? How will governments finance the trillions of dollars of infrastructure spending needed for cities in developing countries? First in a series of thematic volumes, this book was prepared for the Commission on Growth and Development to evaluate the state of knowledge of the relationship between urbanization and economic growth. It does not pretend to provide all the answers, but it does identify insights and policy levers to help countries make urbanization work as part of a national growth strategy. It examines a variety of topics: the relevance and policy implications of recent advances in urban economics for developing countries, the role of economic geography in global economic trends and trade patterns, the impacts of urbanization on spatial inequality within countries, and alternative approaches to financing the substantial infrastructure investments required in developing-country cities. Written by prominent academics in their fields, Urbanization and Growth seeks to create a better understanding of the role of urbanization in growth and to inform policy makers tackling the formidable challenges it poses.

The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition
by Jack Guttentag

The bestselling one-stop guide to mortgages—updated for the post–housing crisis market!

The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations.

Fully updated to address the new realities introduced by the housing crisis of 2007, The Mortgage Encyclopedia provides not just a complete description, but also in-depth discussion of the issues that may affect you, whether you’re a homeowner (or homeowner-to-be), real estate agent, loan provider, or attorney. With this handy, comprehensive guide on hand, you have instant access to:

  • Definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology, listed alphabetically
  • Expert advice on the most pressing issues, such as whether to use a mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan
  • The truth about common mortgage myths and misperceptions—and the pitfalls you need to avoid
  • Helpful tables on affordability, interest cost of fixed-rate versus adjustable rate mortgages, and much more

So the next time you ask yourself such questions as “Is this FHA loan right for me?” or “Can I negotiate this fee?” reach for this indispensable guide and get the fast, accurate information you need!


Encyclopedia of Contemporary American Social Issues [4 volumes]
by Michael Shally-Jensen

Featuring the work of almost 200 expert contributors, the Encyclopedia of Contemporary American Social Issues comprises four volumes, each devoted to a particular subject area. Volume one covers business and the economy; volume two, criminal justice; volume three, family and society; and volume four, the environment, science, and technology. Coverage within these volumes ranges from biotechnology to identity theft, from racial profiling to corporate governance, from school choice to food safety.

The work brings into focus a broad array of key issues confronting American society today. Approximately 225 in-depth entries lay out the controversies debated in the media, on campuses, in government, in boardrooms, and in homes and neighborhoods across the United States. Critical issues in criminology, medicine, religion, commerce, education, the environment, media, family life, and science are all carefully described and examined in a scholarly yet accessible way. Sidebars, photos, charts, and graphs throughout augment the entries, making them even more compelling and informative.


Guaranteed to Fail
by Viral V. Acharya, Matthew Richardson, Stijn van Nieuwerburgh, Lawrence J. White

The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy–and by extension, the global financial system–has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future?

Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy–and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.


$700 Billion Bailout
by Paul Muolo

The book is an analysis of the controversial Emergency Economic Stabilization Act and explains in easy to understand language what the bailout bill means for individuals. $700 Billion Bailout answers questions such as:

  • What does the bill say, exactly?
  • Who is making decisions about how the $700 billion will be spent, and what does it mean now that the government is investing directly in our banks?
  • Who’s footing the bill?
  • What is the impact on homeowners, businesses, retirement, and taxes?
  • Where do I put my money in the meantime?

Veteran reporter Paul Muolo shows both the challenges and opportunities of the credit crisis and proposed bailout, including its impact on:

  • Mortgages: While rates may be lower, there will be more fees imposed on mortgages. Lenders will be far more cautious in lending, and people who cannot meet their mortgages are likely to lose these homes. This may create a “contrarian” plays in foreclosures and vacation homes..
  • Stocks and Other Investments: Is now the time to get into the stock market or is it safer to stick with CDs, bonds, and gold?
  • Taxes: With the tax breaks, there will be less tax revenue leading to a huge shortfall to the government over the next few years.

He will offer insight into these areas and many others, including how the structure of the bailout bill allows for unprecedented authority that has altered the financial landscape, perhaps permanently.   Will the plan work, and how we can prevent this from happening again remains to be seen, but with $700 Billion Bailout Paul Muolo gives us a critical tool for deciphering perhaps the most sweeping piece of legislation since the Patriot Act.


Political Power: The Tea Party Movement
by

Their roots are in the American Revolution, but in a scant two years The Tea Party has been reborn as a vital cog in the modern political wheel. Read all about the rise of The Tea Party and get insight into one of its most ardent supporters in the upcoming "Political Power: Michele Bachmann and The Tea Party" from StormFront Productions.

Reducing Foreclosures
by Christopher Foote

Abstract: This paper takes a skeptical look at a leading argument about what is causing the foreclosure crisis and distills some potential lessons for policy. We use an economic model to focus on two key decisions: the borrower’s choice to default on a mortgage and the lender’s subsequent choice whether to renegotiate or “modify” the loan. The theoretical model and econometric analysis illustrate that “unaffordable” loans, defined as those with high mortgage payments relative to income at origination, are unlikely to be the main reason that borrowers decide to default. In addition, this paper provides theoretical results and empirical evidence supporting the hypothesis that the efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date than contract frictions related to securitization agreements between servicers and investors. While investors might be foreclosing when it would be socially efficient to modify, there is little evidence to suggest they are acting against their own interests when they do so. An important implication of our analysis is that the extension of temporary help to borrowers suffering adverse life events like job loss could prevent more foreclosures than a policy that makes mortgages more “affordable” on a long-term basis.

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