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All Graduate Theses and Dissertations

Mortgage

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An Analysis Of Mortgage Default Clients And Mortgage Default Counseling At The Utah State University Family Life Center, Leslie E. Green May 2006

An Analysis Of Mortgage Default Clients And Mortgage Default Counseling At The Utah State University Family Life Center, Leslie E. Green

All Graduate Theses and Dissertations

The purpose of this study was to create a profile of the mortgage default clientele at the Utah State University Family Life Center, Housing and Financial Counseling (FLC HFC) and to examine how clientele were utilizing the counseling services. Demographic and mortgage variables were used to create the profile of clientele and examine the utilization of services. Specific variables key to the study included: loan type, time of delinquency when clients sought counseling, how clients were referred to the FLC HFC, and the point in counseling when an outcome was achieved (keeping the home or losing the home to foreclosure ...


Defining Predatory Mortgage Lending In Utah: A Professional's Perspective, Luke V. Erickson May 2006

Defining Predatory Mortgage Lending In Utah: A Professional's Perspective, Luke V. Erickson

All Graduate Theses and Dissertations

The purpose of this study was to define and describe the nature of predatory mortgage lending in the state of Utah . Twelve professionals from the state who work in the mortgage lending market participated. Data consisted of interviewee comments and were analyzed qualitatively using a multi-step method of coding for concepts and themes.

Through coding and analysis it was determined that the term predatory mortgage lend ing is defined as an act of abuse that is targeted towards a borrower with one or more vulnerable characteristics. It was al so found that users of this term do not always adhere ...