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Essays 61 - 90

Do Pure Play Internet Banks Create Value?

This 58 page paper looks at the way in which pure play internet banks, such as First Direct and Egg, may be able to create value. ...

Management Planning in the Mortgage Industry

months of 2005" (Is it over yet?, 2007; p. 13). Mozilo points to slower home sales, but also to the many adjustable rate mortgage...

WHEN THE U.S. SNEEZES, THE WORLD CATCHES COLD: THE SUBPRIME FALLOUT AND ITS IMPACT ON GLOBAL MARKETS

Or so it was thought. Then trouble reared its head. As interest rates went up, sub-prime mortgage interest rates ballooned...

Total Quality Management - Three Cases

basis for their own self-assessments that are prepared for the Inspector General each year (International Public Management Networ...

Mortgage Fraud

33). In this case, the lender involved with Mary Overton is Ameriquest (Der Hovanesian and Grow, 2007). According to the FBI, "in...

RESEARCH PAPER: MORTGAGE LOAN CRISIS

subprime loans. As the economy and credit markets attempt to recover from the debacle, the best path out of the subprime m...

Mortgage Market Failure

that the current mortgage industry problems may have in extension, specifically in terms of housing prices. Market correction of ...

Administration of HOPWA Programs in Washington, D.C.

in the Washington, D.C. area may be broader than in other areas of the country. The HIV/AIDS Administration of the Washington, D....

Subprime Mortgage Markets

bill was passed and one argument for its support went to the idea that the American Dream is hurt as many families face foreclosur...

Mortgage Loan Officers, Fishmongers, and Having Fun at Work

extra mile to meet customers needs (Copeland, 2002). From the film came a book by Stephen Lundin, Harry Paul and John Christensen ...

Article Analysis and Practical Applications of Ethics

or private practice, we agree and understand that our ethical conduct overrides all other considerations" (p. 4). While this may s...

Work, Group Members, and Technology

state level, such as MEDS and SFIS, a Statewide Fingerprint Imaging System. MEDS is a database application holding client informa...

Mortgage Backed Securities; Valuing with the Problem of Prepayment

this market is that of prepayment (Levin and Davidson, 2005). It can be argued the most suitable model that should be used to valu...

United Kingdom's Mortgage Regulations

of Business rules (Anonymous, 2004). These cover only the providers and intermedaries for first lien mortgages. Mortgage lenders f...

Credit Scoring and Mortgages

complicated. The credit score calculates the likelihood that a potential borrower will pay back a loan (Mortgage 101.com, ...

Market and Mortgages that art Sub Prime

the past five years, a credit score lower than 660 or even a high debt-to-service ratio (Bankers Online, 2002). The proble...

Banks' Involvement in the Subprime Meltdown

it over yet?, 2007). Angelo Mozilo, chairman and CEO of Countrywide Financial Corp., called the events and conditions that have l...

Quality Control and Washington Mutual

Inc., 2002). As part of its mission, Washington Mutual notes that the companys actions are guided by integrity and honesty...

Overview of 'Fannie Mae'

would otherwise be unable to qualify for a mortgage loan to do so (Hoovers, 2003). In short, Fannie Maes core mission is to make h...

Credit Score Effectiveness and Mortgage Business Research

that the consumer should not have, lending decisions were based on factors beyond consumers control. Those denied mortgages on th...

Software Solutions and the Mortgage Industry

company that has stepped in to take advantage of both the industry and the technology available. This company is a Web service pla...

2005 Mortgage Interest Rates

To date, however, there is no evidence that significant pressures on either wages or prices are accompanying present growth. Analy...

MORTGAGE BANKING: AN OVERVIEW

behind the current financial crisis, the potential future, and what could be done to prevent a similar one from happening. What Mo...

SUBPRIME MELTDOWN, MORTGAGE-BACKED SECURITIES AND THE ECONOMY

faced with the possibility that single trusts could be wiped out at a moments notice - thus creating the idea of slicing and dicin...

The View from the Bottom

that level, however, as job losses continue. Ten percent is a more reasonable estimate at present. The Consumer Price Inde...

Home Loan Mortgage Company Corporate Culture

organization. It includes all the written and unwritten policies and procedures. It is historical and traditional and thus, it pro...

Corporate Culture in Small Business

they get paid. The owner needs to scrutinize the books to see if there is any way to offer some sort of benefit to potential sales...

Why We Need Whistleblowers

to the authorities. In almost every case, the reward for doing the right thing is losing ones job. Therefore, we want to explore t...

ETHICAL ANALYSIS - WHOLESALE MORTGAGES

Mortgage wholesaling, in and of itself, isnt a bad thing. But when the wholesalers are untrained, uneducated people who are offeri...

GREED VS. NEED: THE ROOT OF THE FINANCIAL COLLAPSE

throwing the military into a needed war in Afghanistan and a still-questioned war in Iraq. In other words, things dont happen in a...