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With the ongoing recession and housing crisis, it has never been more important to understand the federal and state governments' roles in affordable housing. The Creation of a Federal Partnership takes a fresh look at the history of national and state housing policy by examining the role played by state housing agencies since the 1970s. Establishing new ground in the field, this volume discusses how the relationship between the federal and state levels has evolved over time. The result, Margaret M. Brassil argues, is that the federal government's broad policy guidelines allow states to better address their own social issues, an improvement for policy and ultimately for the people it serves.
At the forefront of issues affecting today's housing market, foreclosed properties have become a significant problem. Local governments can enable productive reuse of these properties and simultaneously address the affordable housing crisis by creating public entities known as ¿land banks¿ to acquire, hold, and manage foreclosed properties. This report examines the concept of land banking and discusses barriers and solutions to the successful implementation of land banks. The report contains case studies from the Genesee County Land Bank Authority, the Baltimore City Land Bank, and the Atlanta/Fulton County Land Bank. Each case study provides a description of the land banking programs and their effectiveness in revitalizing neighborhoods.
The independent real estate appraiser is being driven out of the business by the same forces that borrowed billions from the taxpayer in the form of a bailout, speculated in an over-leveraged derivatives market, and swallowed each other up after years of mismanagement. Why should anybody care? Because the housing recovery is dependent on transparency that we have not seen in more than a decade. Public Trust Betrayed: The Truth Behind the Real Estate Appraisal Industry emphasizes that there must be transparency and objectivity in the mortgage and evaluation process if we are to solve the current credit crisis and what we must change in the financial industry to prevent another economic meltdown. As a result of fraud, conflicts of interest, over-valuations, and lax underwriting standards, the entire lending industry must be examined and changed if any meaningful housing recovery is to be accomplished. 'Appraisal issues played a major role in the housing boom and bust. To get an insider's view of that historic and horrendous cycle -- and the troubling reality of where we are now -- read this book.' --Ken Harney, Syndicated Columnist, Washington Post Writers Group 'This is one man's story about the deceptions he saw in the home appraisal market, deceiving homeowners and lenders alike. It will open your eyes.' --Jane Bryant Quinn, author of Making the Most of Your Money NOW Author James Manning gives the reader rare insights into the pressures being placed on today's real estate appraiser in an easy-to-read format, a folksy delivery, and with real-life experiences sprinkled throughout.