The theory that business cycles are influenced by fluctuations in credit availability. It describes how economic booms and busts are linked to lending practices and market sentiment.
Understanding the Loan-to-Value Ratio (LTV Ratio), its significance in real estate and lending, and how it impacts mortgage approval and interest rates.
Detailed exploration of Mortgage Discrimination, its implications, historical context, and related concepts.
Usury refers to the practice of charging excessively high interest rates on loans, often considered unethical or illegal based on contemporary standards.
A comprehensive guide to No Documentation Mortgages, explaining their types, functionality, advantages, disadvantages, and related considerations.
Detailed overview of the Truth in Lending Act (TILA), focusing on consumer protections, mandatory disclosures, historical context, and its impact on lending practices.
