The hidden agendas of banks with troubled mortgage loans

Article Abstract:

Management of workout loans varies greatly depending on the policies and financial health of the bank. These hard-to-collect loans are frequently handed over to a specialized department in the bank that attempts to collect as efficiently as possible. A strong bank can afford to take a longer time to collect, but when a bank is experiencing financial problems itself it is likely to be under government pressure to liquidate loans quickly.

Mortgage bankers and correspondents, Bank loans, Credit departments

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Investment analysis for loan decision making: a primer

Article Abstract:

Institutional loan managers have been embracing modern loan underwriting techniques following the huge losses sustained by commercial bank mortgage lenders and savings and loan associations. In adopting modern loan underwriting techniques, the managers are trying to maintain the soundness and safety of not only their institution, but also of the banking system as a whole. As always, the exposure to risk is a major concern of lenders.

Mortgage and Nonmortgage Loan Brokers, Consumer Mortgage Loans, Loans

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Underwriting residential properties today: a primer

Article Abstract:

Real estate lenders, hoping to avoid problems they encountered in the 1980s, have significantly changed their lending practices. Basic information on the underwriting criteria that lenders are using in the late 1990s to make apartment loans is presented. When analyzing a property's income, lenders examine three basic areas: gross potential rental income, vacancies, and other income.

United States, Banking Institutions, Depository Credit Intermediation, Lessors of Residential Buildings and Dwellings, Lessors of Apartment Bldgs, Banking industry, Finance, Banks (Finance), Real estate industry, Apartment building landlords

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