"... But we can't get a mortgage": causes and cures
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The Typical Borrower
THE CONVENTIONAL MORTGAGE
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30-YEAR ILLUSTRATION agree in writing amortization APPLICABLE STATUTES April 15 banks benefits CHARGED consumer loan Cont'd conventional mortgage costs debt defense of usury depositors downpayment exceed FHA loans FHLB Figure funds high rates HIGHEST INT households housing burden housing market increase indexed deposits indexed mortgage payments industrial loan companies inflation adjustment inflation rate institutions interest forfeited interest in excess interest on interest interest rates J.C. Penney LEGAL AND HIGHEST legal rate lender lending less limited loan associations long-term maturity maximum rate moderate income mortgage borrower mortgage contract mortgage forms mortgage loans mortgage rates mortgage types pay any rate PENALTY FOR USURY permitted plead usury potential borrowers prohibit purchase rate of interest rates rise real estate real payments reduces Regulation Q repayment repealed savings deposits secondary market short-term bond term bond unpaid balance usurious interest paid variable rate mortgage