Download or read book Foreclosure Counseling with Latino Households written by Maria Y. Rodriguez and published by . This book was released on 2016 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social work practice and scholarship was historically rooted in the development and analysis of policy (Rodriguez, Ostrow, & Kemp, 2016). Yet, little work has extended our knowledge base on the factors surrounding the development of housing policy and its impact on the populations we serve. The dearth of housing policy research within social welfare is particularly troubling in light of the recent foreclosure crisis (2007-2012). Notably, low-income and Latino households were disproportionality represented in the foreclosure crisis (Hall, Crowder, & Spring, 2015; Rugh, 2014), suggesting that foreclosure mitigation policies should have been crafted with these groups in mind. This dissertation aims to investigate how these households fared in the development of foreclosure mitigation policies, in order to understand how responsive policy makers can be to the context of social problems. Using a three-paper format, this dissertation investigates the development, implementation, and impact of the National Foreclosure Mitigation Counseling (NFMC) program. The dissertation uses a policy process centered conceptual framework to explain how certain groups were left out of NFMC's purview. Each paper addresses one of the three levels of social work practice: micro, mezzo, and macro. Results indicate that, beyond being adversely impacted by the foreclosure crisis, communities of color have reaped little benefit from foreclosure mitigation policy as a result of the social constructions they are assigned during the policy making process. Latino households in particular, while experiencing a rising contender status in the federal housing policy arena, are nonetheless not benefiting from foreclosure mitigation policy in ways commiserate with the impact of the crisis on this demographic group. Recalibrating the social work research agenda toward policy study is the most direct way to address the social and economic conditions that prevent the most vulnerable from claiming and exercising full citizenship in the United States today.

Download or read book The Role of NeighborWorks and Housing Counseling Intermediaries in Preventing Foreclosures written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2009 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Possible Responses to Rising Mortgage Foreclosures written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2007 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Role of NeighborWorks and Housing Counseling Intermediaries in Preventing Foreclosures written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2009 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Protecting Minority Homeowners written by J. Michael Collins and published by . This book was released on 2014 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of minority homeowners are at risk of losing their homes as a result of the housing crisis due to mortgage foreclosure and home repossession. One consumer-oriented policy response to this crisis is mortgage default counseling for borrowers. This study examines the rate at which minority borrowers seek default counseling and the resulting correlation between counseling and the probability that a borrower obtains a modification of his/her original mortgage contract terms. The results suggest that African Americans are more likely to be counseled, relative to Whites. However, Latinos or other non-White groups are no more or less likely to be counseled. The probability of loan modifications among counseled African Americans is also higher than other counseled borrowers. These results suggest that counseling policies and the public subsidy of default counseling may be one approach for promoting consumer financial well-being of these households, but also suggest counseling efforts might be better designed for other minority groups. These results also have implications for the application of counseling to other mortgage decisions, such as refinance.

Download or read book A Review of Mortgage Servicing Practices and Foreclosure Mitigation written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Implementation of the HOPE for Homeowners Program and a Review of Foreclosure Mitigation Efforts written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book HUD and NeighborWorks Housing Counseling Oversight written by United States. Congress. House. Committee on Financial Services. Subcommittee on Insurance, Housing, and Community Opportunity and published by . This book was released on 2012 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Legislative Solutions for Preventing Loan Modification and Foreclosure Rescue Fraud Serial No 111 28 May 6 2009 written by and published by . This book was released on 2009 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Foreclosure Mitigation Counseling written by Travis Weber and published by . This book was released on 2010 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Latino Immigrant Families and the Foreclosure Crisis written by Oscar Ramon Sosa Lopez and published by . This book was released on 2009 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Community and Consumer Advocates Perspectives on the Obama Administration s Financial Regulatory Reform Proposals written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Community Solutions for the Prevention of Management of Foreclosures Congressional Field Hearing written by and published by DIANE Publishing. This book was released on with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mortgage Lending Reform written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2009 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Effect of Predatory Lending and the Foreclosure Crisis on Twin Cities Communities and Neighborhoods written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2007 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Foreclosure Prevention and Intervention written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2008 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Effects of the Foreclosure Crisis on Neighborhoods in California s Central Valley written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: