Historic Home Owners' Loan Corporation Neighborhood ...

Historic Home Owners' Loan Corporation Neighborhood Appraisal Map

In 1934, the Federal Housing Administration created a financial mortgage system that rated mortgage risks for properties based on various criteria but was centered on race and ethnicity. This rating system propagated racial segregation that in many ways persists today.

The FHA Underwriting Handbook incorporated color-coded real estate investment maps that classified neighborhoods based on assumptions about a community, primarily their racial and ethnic...

Read more

Website: https://gisdata.mn.gov

Related topics : home owners loan corporation 1934 / home owners loan corporation (holc) / home owners loan corporation / federal home mortgage loan corporation / american home loan mortgage corporation

[an error occurred while processing this directive]

Florida Housing Finance Corporation First Time Home Buyers ...

Training is a two-step process that involves Program training and System Software training.

Step #1 Program Training

You may only attend this training if your institution is listed below as a participating lender.

If your institution is not listed below please contact�trainer@ehousing.cc.

1st Financial, Inc.

American Nationwide Mortgage Company, Inc.

American Neighborhood Mortgage Acceptance...

Read more

Website: http://www.ehpuniversity.com

[an error occurred while processing this directive]

Loan Programs - Neighborhood Finance Corporation

Loan Programs


No other home loan or mortgage product offers the types of loans offered by NFC -- that is the NFC Advantage.� If you're looking to� purchase a home ,� refinance an existing home �while making needed repairs to that home, or apply for a� home improvement loan , then NFC has a product for you.

Home must be in an� NFC lending area .�

For a purchase and...

Read more

Website: http://neighborhoodfinance.org

[an error occurred while processing this directive]

American Midwest Mortgage Corporation MB# 803389 : Home

We'll find a loan that will fit you perfectly.

American Midwest Mortgage Corporation is committed to helping you find the right mortgage product�for your needs.� We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.� We make the process of securing a mortgage simple and...

Read more

Website: http://ammcorp.net

Related topics : american home loan mortgage corporation / home loan mortgage corporation / new home mortgage loan / new home loan process / home loan processing time

Federal Home Loan Mortgage Corp in Mc Lean , VA

7535 Little River Turnpike Suite 208B, Annandale, VA 22003

(703) 992-8492

Directions More Info

General Info

Federal Home Loan Mortgage Corporation, doing business as Freddie Mac, makes housing more accessible and affordable for millions of families across America by linking homeowners and renters to the world s capital markets. Primarily, Freddie Mac s customers are the primary lenders that homeowners get their loans from....

Read more

Website: https://www.yellowpages.com

HomeAmerican Mortgage Corporation NMLS # 130676 : Home

Welcome to HomeAmerican Mortgage Corporation!

We've been providing tailored lending solutions since 1983. We offer a variety of loan options and personal assistance to help you through the process. Don't understand the lending lingo? Not sure where to start? Our team of licensed professionals are on hand to answer questions, explain financing programs and guide you to the closing table.


Read more

Website: http://www.homeamericanmortgage.com

Home Owners Loan Corporation: US History for Kids

Home Owners Loan Corporation

Definition and Summary of the Home Owners Loan Corporation

Summary and Definition: In March 1933, millions of people faced the loss of their homes due to large-scale unemployment and by wage reductions in the Great Depression. Many borrowers were unable to meet mortgage payments resulting in a wave of foreclosures and homelessness. The Home Owners Loan Act of 1933 and...

Read more

Date: 2018-03-09 12:57:06
Website: http://www.american-historama.org

Types of Loan Programs: Conforming, Jumbo Loans, FRM, ARM ...

Mortgage Library : Types of Mortgage Loans

All mortgage plans can be divided into categories in two different ways. Firstly, conventional and government loans. Secondly, all the various mortgage programs may be classified as fixed rate loans, adjustable rate loans and their combinations.

Conventional and Government Loans

Any mortgage loan other than an FHA, VA or an RHS loan is conventional...

Read more

Date: 2017-09-25 15:14:48
Website: http://www.mortgage-x.com

Home Owners' Loan Corporation - Wikipedia

Operations[ edit ]

The HOLC issued bonds and then used the bonds to purchase mortgage loans from lenders. The loans purchased were for homeowners who were having problems making the payments on their mortgage loans "through no fault of their own". The HOLC then refinanced the loans for the borrowers. Many of the lenders gained from selling the loans because the HOLC bought the loans by offering a...

Read more

Date: 2018-03-15 04:53:53
Website: https://en.wikipedia.org

mobile home financing :: manufactured home financing ...



Florida Mortgage Corporation is pleased to offer numerous Manufactured Home mortgage programs. Historically, manufactured homes have been financed as personal property, resulting in personal loans that often require a 10 percent down payment, with the remainder financed over 10 to 15 years. Interest rates are higher, resembling car and boat loans, and...

Read more

Date: 2014-05-04 22:00:24
Website: http://www.floridamortgagecorp.com

Home Affordable Refinance Program | HARP Loan | ditech

Don't miss out.

Find out now if you qualify for HARP.

By now, you've probably heard about the Home Affordable Refinance Program (commonly known as HARP). But did you know you may be able to significantly lower your mortgage payment through this federal program?

What is the ditech HARP program?

HARP stands for Home Affordable Refinance Program. HARP helps borrowers refinance into a more affordable...

Read more

Date: 2017-12-12 13:25:56
Website: https://www.ditech.com

Mortgage Brokers | Find Broker Details & Contact Info

People often confuse mortgage brokers with lenders. Essentially, a mortgage broker is a loan provider who serves as a liaison between you and mortgage lenders. A mortgage broker offers the loan products of various lenders, while a mortgage lender provides the actual loan money. Mortgage brokers do not loan money; instead, they work with you to help you find appropriately-matched mortgage loans....

Read more

Date: 2018-03-30 07:35:52
Website: http://mortgage-brokers.credio.com

Loan Modification Programs | ditech

Loan Modification Programs

Your�ditech loan modification options.

In the last few years, our loan modification experts have completed well over 100,000 loan modifications. We can help you start or finish a loan modification process.

If you are new to ditech and already in the loan modification process . . .

Welcome to ditech! As your new loan servicer, we look forward to working with you.


Read more

Date: 2017-12-12 13:25:56
Website: https://www.ditech.com

Related topics : federal home loan mortgage corporation (freddie mac) / federal home loan corporation freddie mac / home affordable loan modification program / home affordable loan modification / federal home mortgage loan corporation

TIR 89-8: Income Tax Treatment of Interest and...

Massachusetts General Laws

Personal Income Tax

Massachusetts General Laws Chapter 62, § 2(a)(2)(A) excludes from Massachusetts gross income "[i]nterest on obligations of the United States exempt from state income taxation to the extent [such interest is] included in federal gross income" Gain on the sale of obligations of the United States is included in Massachusetts Part A gross income as...

Read more

Date: 2018-03-30 05:07:47
Website: mass.gov

Citizens Bank Loan Customer Service Phone Number

Citizens Bank Loan Customer Service Phone Number

Phone Number of Citizens Bank Loan is +1-401-456-7000, +1-800-428-7463 .

Citizens Bank Loan is a service of an American finance company, named Citizens Bank based in American region. Citizens Bank loan service department is committed to provide home loans, education loans, personal loans, car loans, mortgage loan, business loans, etc. The Citizens...

Read more

Website: allcustomercarenumbers.net

A Homeowners' Loan Corporation For The 21st Century | Demos

Our proposal for a modern-day Home Owners' Loan Corporation would closely resemble the "Home Owners' Loan Corporation for the 21st Century Act," introduced as H.R. 5649 in the 110th Congress. It is important to note that, while it is more common to hear progressive voices calling for the creation of a modern-day HOLC, it was Republican Congressman Mark Kirk of Illinois that sponsored H.R. 5649...

Read more

Date: 2018-03-30 10:34:55
Website: http://www.demos.org

Redlining - Wikipedia


Although informal discrimination and segregation had existed in the United States, the specific practice called "redlining" began with the National Housing Act of 1934 , which established the Federal Housing Administration (FHA). [10] Racial segregation and discrimination against minorities and minority communities pre-existed this policy. The implementation of this federal policy aggravated...

Read more

Date: 2018-03-28 12:45:55
Website: https://en.wikipedia.org

Federal Home Loan Bank of Atlanta: Private Company ...

Federal Home Loan Bank of Atlanta Key Developments

Federal Home Loan Bank of Atlanta Reports Unaudited Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2017

Feb 21 18

Federal Home Loan Bank of Atlanta reported unaudited earnings results for the fourth quarter and full year ended December 31, 2017. The Bank reported net income of $93 million for the fourth quarter of 2017,...

Read more

Website: https://www.bloomberg.com

Week 25 APUSH Flashcards | Quizlet

Great Depression and New Deal




President during Great Depression and WWII, most known for social and economic reforms (New Deal) and strong diplomatic rule during WWII

Brain Trust

Group of expert policy advisors who worked with FDR in the 1930s to end the Great Depression.

New Deal

Term used to describe President Franklin Roosevelt's relief, recovery, and reform programs designed to...

Read more

Website: https://quizlet.com

Statement on Signing the Home Owners Loan Act Is Signed

IN SIGNING the "Home Owners Loan Act of 1933," I feel that we have taken another important step toward the ending of deflation which was rapidly depriving many millions of farm and home owners from the title and equity to their property.

The Act extends the same principle of relief to home owners as we have already extended to farm owners. Furthermore, the Act extends this relief not only to people who have borrowed money on their homes but also to their mortgage creditors.

It will, of course, take a little...

Read more

Website: http://www.presidency.ucsb.edu

Related topics : home owner loan act / home owners loan corporation 1933 / home owners loan corporation / home loan act of 1933 / home owner loan

CBC Mortgage Agency

At CBC Mortgage Agency ("CBCMA") we believe that everyone in America should have access to affordable housing. We believe that by assisting responsible home buyers to overcome the challenge of the minimum investment required ("MRI") to purchase a home with an FHA-insured mortgage we are helping create healthy communities by improving the balance between housing and the people who live there.


Read more

Website: http://cbcmortgageagency.org

Grants For First Time Home Buyers [Free Government Money]

Get Help To Buy Your First Home

Update February 2018 Need help getting your financial situation in order and improving your credit sore so you have a prayer of getting a great mortgage and even help with your down payment on a new home? Look for locations of HOPE Inside near you. They operate in places like bank branches, colleges, police departments, grocery stores and more, reaching out to...

Read more

Website: http://www.gofreegovernmentmoney.com

Help with mortgage | Assistance programs

Mortgage assistance from banks and lenders

Mortgage forbearance programs are offered by numerous lenders, including Bank of America, JP Morgan, Citibank, and Wells Fargo. Forbearance allows borrowers a temporary suspension of their monthly mortgage payments. So a homeowner will have time to explore their options, receive counseling, or modify their loan during this timeframe. In addition, a...

Read more

Date: 2018-03-13 20:26:26
Website: http://www.needhelppayingbills.com

HARP Loans | HARP Loan Requirements and Eligibility ...

I am eligible for and interested in VA/military loans.

How did you hear of us?

What has prevented you from refinancing in the past?

I would prefer to be contacted in:

I agree to the Communication Consent below.

Over 62? Check here for exclusive Reverse Mortgage loan options from our partner!

Communication Consent:

By submitting your contact information you agree to our Terms of Use and our...

Read more

Date: 2017-09-29 13:45:43
Website: https://www.quickenloans.com

Time to Bring Back the Home Owners Loan Corporation ...

It now appears as if the level of home foreclosures will continue at an alarming pace, with many economists now predicting that the number of Americans likely to lose their homes in 2010 will exceed one million -- a figure that would surpass the more than 900,000 homes lost to foreclosure in 2009.

With so many homes at risk, the current housing crisis certainly rivals that which struck the nation...

Read more

Website: http://rooseveltinstitute.org

Credit Rating, Missed Payments, and FHA Refinance Loans

When you decide to apply for an FHA refinance loan, your lender may have a look at your credit rating. This is a source of stress for many, especially those who need to refinance because they risk default or foreclosure on ARM loans or non-FHA loans with variable interest rates.

Did you know that FHA refinancing loans are more forgiving when it comes to your credit rating? Most refinancing...

Read more

Website: https://www.fha.com

FDR's Alphabet Soup [ushistory.org]

In 1933, Roosevelt asked Congress to create "a corporation clothed with the power of government but possessed of the flexibility and initiative of a private enterprise." The Tennessee Valley Authority was born, and economic recovery came to eastern Tennessee.

To avoid charges of socialism, the NRA allowed each industry to draw up a code setting production quotas, limiting hours of operation, or...

Read more

Website: http://www.ushistory.org

City of Houston HOPE Program - Houston Texas Mortgage

City of Houston HOPECity of Houston WHPCity of Texas City 1st Time Buyer's DAP Galveston GRACE Program Harris County CSD DPATDHCA - MCC ProgramTDHCA - 1st-Time Homebuyer TDHCA - HOMEBuyerTexas HOYO

City of Beaumont Downpayment Assistance Program (DPA)

Down Payment Assistance is available for first-time homebuyers who purchase an existing or newly constructed home inside the Beaumont city...

Read more

Website: http://www.houstonmortgagetexas.com

Redlining Richmond


Race and Redlining in Richmond

There is little nuance to be found among the assessment surveys and the residential security map of Richmond, Virginia, produced for the Home Owners' Loan Corporation (HOLC) in 1937: in them race is everywhere and everywhere a determining factor. In the late 1930s the HOLC, working with local realtors and lenders, completed assessment surveys and...

Read more

Website: http://dsl.richmond.edu

Redlining and the Home Owners' Loan Corporation | Request PDF

University of Pennsylvania


This article analyzes the impact of the residential security maps created by the Home Owners'Loan Corporation (HOLC) during the 1930s on residential mortgages in Philadelphia. Researchers have consistently argued that HOLC caused redlining and disinvestment in U.S. cities by sharing its color-coded maps. Geographic information systems and spatial statistical models were used to analyze address-level mortgage data from Philadelphia to determine if areas with worse grades actually had...

Read more

Date: 2016-10-14 00:51:37
Website: https://www.researchgate.net

Related topics : home owners loan corporation (holc) / home owners loan corporation redlining / home owners loan corporation impact / home owners loan corporation / home owner secured loan

5 Ways to Borrow Money With Bad Credit - wikiHow

Getting a Loan from a Friend or Family Member


Find someone to borrow from. If you have a friend or family member who is willing to loan you some money, this may be your best option, as someone you know is more likely to loan you money on flexible terms and/or at a better rate.


Agree to terms. Make an agreement with your friend or family member about how much they are willing to loan you and...

Read more

Website: https://www.wikihow.com

About Us — All California Mortgage

All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you the right loan-with great rates, terms and costs to meet your unique needs. 



© 2018 All California Mortgage, a division of American Pacific Mortgage Corporation  NMLS #1850 / BRE #01215943

17 E. Sir Francis Drake Blvd., Suite...

Read more

Date: 2018-03-30 06:33:43
Website: http://www.allcalifornia.com

Related topics : home mortgage refinance rates california / home mortgage loan california refinance / best mortgage refinance rates in california / refinance california mortgage / commercial mortgage rates california

Internal Revenue Bulletin: 2016-18 | Internal Revenue Service

At least 133% but less than 150%


At least 150% but less than 200%


At least 200% but less than 250%


At least 250% but less than 300%


At least 300% but not more than 400%



.02 Section 36B Required Contribution Percentage for 2017. For plan years beginning in 2017, the required contribution percentage for purposes of § 36B(c)(2)(C)(i)(II) and §...

Read more

Date: 2018-03-30 08:03:41
Website: https://www.irs.gov

How Does Your Credit Score Affect Your Mortgage Eligibility?

Credit can be a vexing topic for even the most financially savvy consumers. Most people understand that good credit history can improve your chances of qualifying for a loan because it shows the lender you're likely to repay it.

However, understanding the meaning of your score, how it's calculated, how it can influence your mortgage eligibility - and the interest rates you pay - is not as easy as...

Read more

Website: https://www.quickenloans.com

Home [facc.firstam.com]

Disclosure Type:

A quick quote is available for this transaction. This estimate uses common transaction attributes and state-defined defaults to provide a quicker estimate.

Click YES - if you would like to obtain a quick quote now.

Click NO - if you would prefer to build your own quote.

Entering a date prior to Oct 3, 2015 will produce a GFE/HUD-1 quote. Entering a date of Oct 3, 2015 or...

Read more

Website: http://facc.firstam.com

Home [agency.facc.firstam.com]

Disclosure Type:

A quick quote is available for this transaction. This estimate uses common transaction attributes and state-defined defaults to provide a quicker estimate.

Click YES - if you would like to obtain a quick quote now.

Click NO - if you would prefer to build your own quote.

Entering a date prior to Oct 3, 2015 will produce a GFE/HUD-1 quote. Entering a date of Oct 3, 2015 or...

Read more

Website: http://agency.facc.firstam.com

About Peter Norden | HomeBridge Financial Services

About Peter Norden

Peter Norden is the current CEO of HomeBridge Financial Services, Inc. He has served in this capacity since 2012, capping a 40-year rise through the ranks of the residential mortgage industry.

At HomeBridge, Mr. Norden is responsible for overseeing the organization's 3,000 associates and a servicing portfolio worth more than $17 billion (as of January 2017). In 2016, Mr....

Read more

Website: https://corporate.homebridgeinc.com

Related topics : first mortgage company home loans / home mortgage loan company / home mortgage loans for first time buyers / new home mortgage loan / federal home loan mortgage corporation act

Welcome to the First American Comprehensive Calculator

Disclosure Type:

A quick quote is available for this transaction. This estimate uses common transaction attributes and state-defined defaults to provide a quicker estimate.

Click YES - if you would like to obtain a quick quote now.

Click NO - if you would prefer to build your own quote.

Entering a date prior to Oct 3, 2015 will produce a GFE/HUD-1 quote. Entering a date of Oct 3, 2015 or...

Read more

Website: http://facc.firstam.com

Fairway Independent Mortgage Corporation : Home



At Fairway, we strongly believe the way we do things is just as important as what we do. Every employee is guided by our Core Values,which form�the

foundation on which we work and conduct ourselves. These values are not descriptions of the work we do as a company�or the�strategies

we employ to accomplish our mission; they underlie our work, how we interact with...

Read more

Website: http://www.fairway-homeloans.com

Related topics : american home loan mortgage corporation / home loan mortgage corporation / home loan mortgage lender / home mortgage loan definition / home loan mortgage refinance

Hazardous: The Redlining of Houston Neighborhoods ...

For a larger, high-resolution version of the Home Owners' Loan Corporation (HOLC) map of Houston, visit this link .

Why are we so compelled to define neighborhoods as "good" or "bad"? Is there one definition of a "good" neighborhood -- is it universal? Can a low-income neighborhood be a "good" neighborhood? I often wonder, and frequently challenge, whether these labels accurately depict a place...

Read more

Website: http://offcite.org

Auto Refinance Restructure Program - iowamusicproject.com

Auto Refinance Restructure Program

Government Loans & Federal Loans. Grants for Home Purchase & Mortgage Loan Information.

Auto Refinance Restructure Program >> Openroad Lending 44 Reviews Auto Loan Providers 5555 N Beach

When you refinance, you take out a new loan to pay off your old loan(s). Some reasons for refinancing include: To get a lower interest rate, to decrease monthly payments or to...

Read more

Website: http://iowamusicproject.com

New Redlining Maps Show Chicago Housing Discrimination

October 28, 2016

Mapping Inequality/Screenshot by WBEZ

The color coded maps produced by the federal Home Owners' Loan Corporation produced between 1935 and 1940 show Chicago's black neighborhoods drenched in red, illustrating how the federal government sanctioned disinvestment in black neighborhoods and urban centers.

An online archive released this week highlights how rampant discrimination in...

Read more

Website: https://www.wbez.org

Related topics : home owners loan corporation (holc) / home owners loan corporation redlining / federal home loan mortgage corporation address / federal home mortgage loan corporation / home owners loan corporation date

The Grissim Guides to Manufactured Homes and Land :: 2013 ...

Home Buy�books 2017 Home Buyer's Outlook News�&�Notes About the Author Contact�John

2013 Home Buyer's Outlook

Note: Annually at the beginning of the year I offer here my assessment of the manufactured housing landscape (along with a few suggestions) to help home shoppers better understand the market conditions they will likely face in the next 12 months. My comments also touch on the...

Read more

Website: http://www.grissimguides.com

Inside the Countrywide Lending Spree - The New York Times

Opt out or contact us anytime

As a result, former employees said, the company's commission structure rewarded sales representatives for making risky, high-cost loans. For example, according to another mortgage sales representative affiliated with Countrywide, adding a three-year prepayment penalty to a loan would generate an extra 1 percent of the loan's value in a commission. While mortgage...

Read more

Website: nytimes.com

Digging Deeper into Debt - Seattle Bankruptcy Attorney

Home / General /Digging Deeper into Debt

Digging Deeper into Debt

New York Times


The collection agencies call at least 20 times a day. For a little quiet, Diane McLeod stashes her phone in the dishwasher.

But right up until she hit the wall financially, Ms. McLeod was a dream customer for lenders. She juggled not one but two mortgages, both with interest rates that rose over...

Read more

Website: http://www.seattle-bankruptcyattorney.net


March 14, 1900 - The Gold Standard Act officially placed the United States on the gold standard.

September 6, 1901 - President William McKinley was shot twice in Buffalo, New York by anarchist Leon Czolgosz at the Pan-American Exposition. McKinley's death led to the Secret Service permanently protecting the president. McKinley died of his wounds on September 14, 1901 after appearing to be...

Read more

Date: 2018-03-29 21:41:59
Website: https://www.treasury.gov

Kid's Economic Glossary | Scholastic.com

A financial institution that accepts deposits and withdrawals of money. There are two kinds of banks:

o Commercial Bank: A traditional bank that provides services such as checking and savings accounts, credit cards, and home and auto loans.

o Investment Bank: A bank that specializes in services for companies rather than individuals. An investment bank sells and manages stocks and bonds. It also...

Read more

Website: http://www.scholastic.com

Where To Find Historical “Redlining” Maps Of Your City

During the Depression, the Home Owners' Loan Corporation, a New Deal agency, refinanced mortgages for over a million struggling homeowners . As part of this work, the agency sent out assessors who rated neighborhoods based on several factors: housing stock, sales and rental rates, physical attributes of the terrain, and "threat of infiltration of foreign-born, negro, or lower grade...

Read more

Date: 2018-03-30 09:56:35
Website: http://www.slate.com

Related topics : home owners loan corporation redlining / home owners loan corporation 1934 / home owners loan corporation (holc) / home owners loan corporation / new home mortgage loan

Trump, GOP tax-reform bill text: changes to individual ...

The House GOP unveiled its massive tax-reform bill on Thursday.

Some features proposed: a new top tax rate, new tax brackets, a lower corporate rate, and a compromise on the state and local tax deduction.

The bill is the biggest step yet toward the GOP's promised overhaul of the US tax code.

House GOP leaders on Thursday took their biggest step yet in their attempt to overhaul the US tax code by...

Read more

Website: http://www.businessinsider.com

Related topics : new home loan tax deductions / new home loan interest rate / average home loan interest rate last 10 years / home purchase loan interest rates / current home loan interest rates

About Mid America Mortgage, Inc.

Mid America Mortgage, Inc.� Bode founded the original Mid America Mortgage, Inc. in 1989 and was the first lender to develop an interface inside Calyx's Point software.� The interface enabled brokers to price, lock, underwrite, and receive loan status, while drawing loan documents within Point or from a website linked to Point. �Mr. Bode further developed the technology and has utilized...

Read more

Website: http://www.midamericamortgage.com

Related topics : capital one home loans servicing / first mortgage company home loans / home loan assistance / federal home loan mortgage corporation texas / first home mortgage loan officers