User:Jtay2222/sandbox

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Answer to module 7 questions

Description: Rottnest Island, January 2020.

Is it your own work? Yes. The image was using my phone camera.

What is the file format? IMG

What license have you chosen? CC0 - no rights reserved

What category/gallery will you add it to? Category: Beaches

How will you describe the file? Rottnest Island beach on a sunny day in summer.

Practicing Citations

Loan Structure

Standalone mortgages and piggyback loan structures have different implications for home buyers in terms of down payment requirements.^[1]

Determinants of Historical Loan Performance

The Combined Loan-to-Value ratio (CLTV), Fair Isaac Corporation (FICO) and Debt-to-Income ratio (DTI) are computed and applied to credit performance analysis of agency and non-agency sectors within the mortgage backed securities (MBS) market.^[2]

Trends in Second Mortgages

Factors that influence home equity withdrawals and second mortgages include inflation rates, interest rates, competition within the housing market and housing prices.^[3]

History of Second Mortgages

The Global Financial Crisis of 2007 was heavily influenced by the rapid increase of second mortgages throughout the mid 2000’s.^[4] The impacts of second mortgages on the housing market crash can be explained with reference to LTV, CLTV, DTI and FICO scores.

References

^ Eriksen, Michael D.; Kau, James B.; Keenan, Donald C. (2013-07-19). "The Impact of Second Loans on Subprime Mortgage Defaults". Real Estate Economics. 41 (4): 858–886. doi:10.1111/reec.12016. ISSN 1080-8620.
^ GOODMAN, LAURIE, author. Subprime Mortgage Credit Derivatives. OCLC 1159657945. {{cite book}}: |last= has generic name (help)CS1 maint: multiple names: authors list (link)
^ Ebner, André (2010). "A Micro View on Home Equity Withdrawal and Its Determinants Evidence from Dutch Households". SSRN Electronic Journal. doi:10.2139/ssrn.1550026. ISSN 1556-5068.
^ Edmiston, Kelly (2007). "Rising Foreclosures in the United States: A Perfect Storm". Economic Review.

[1] Eriksen, Michael D.; Kau, James B.; Keenan, Donald C. (2013-07-19). "The Impact of Second Loans on Subprime Mortgage Defaults". Real Estate Economics. 41 (4): 858–886. doi:10.1111/reec.12016. ISSN 1080-8620.

[2] GOODMAN, LAURIE, author. Subprime Mortgage Credit Derivatives. OCLC 1159657945. {{cite book}}: |last= has generic name (help)CS1 maint: multiple names: authors list (link)

[3] Ebner, André (2010). "A Micro View on Home Equity Withdrawal and Its Determinants Evidence from Dutch Households". SSRN Electronic Journal. doi:10.2139/ssrn.1550026. ISSN 1556-5068.

[4] Edmiston, Kelly (2007). "Rising Foreclosures in the United States: A Perfect Storm". Economic Review.

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