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The Significance of Porfolio Lenders to Real Estate Brokers

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Author Info
Robert O. Edmister (Mississippi League of Savings Institutions Chairholder School of Business Administration The University of Mississsippi Oxford, Mississippi 38677)
Gay B. Hatfield (School of Business Administration The University of Mississsippi Oxford, Mississippi 38677)
Abstract

For the reasons observed in the sample of mortgage loans examined, the real estate brokerage industry will continue to depend heavily on portfolio lending to finance residential housing transactions. This paper examines a sample of residential mortgages to determine the breadth of lending by home type and customer credit qualification. The findings show that portfolio lending is required to satisfy homebuyers with heterogenous mortgage loan needs. Comparative analysis of credit decisions provides evidence of sound lending.

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File URL: http://aux.zicklin.baruch.cuny.edu/jrer/papers/pdf/past/vol10n01/v10p057.pdf
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Publisher Info
Article provided by American Real Estate Society in its journal Journal of Real Estate Research.

Volume (Year): 10 (1995)
Issue (Month): 1 ()
Pages: 57-68
Download reference. The following formats are available: HTML (with abstract), plain text (with abstract), BibTeX, RIS (EndNote, RefMan, ProCite), ReDIF
Handle: RePEc:jre:issued:v:10:n:1:1995:p:57-68

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Postal: American Real Estate Society Clemson University School of Business & Behavioral Science Department of Finance 401 Sirrine Hall Clemson, SC 29634-1323
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Postal: Diane Quarles American Real Estate Society Manager of Member Services Clemson University Box 341323 Clemson, SC 29634-1323
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L85 - Industrial Organization - - Industry Studies: Services - - - Real Estate Services

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  2. Grossman, S.J. & Miller, M.H., 1988. "Liquidity And Market Structure," Papers 88, Princeton, Department of Economics - Financial Research Center.
    Other versions:
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    Other versions:
  5. Diamond, Douglas W, 1984. "Financial Intermediation and Delegated Monitoring," Review of Economic Studies, Blackwell Publishing, vol. 51(3), pages 393-414, July. [Downloadable!] (restricted)
  6. Fama, Eugene F., 1985. "What's different about banks?," Journal of Monetary Economics, Elsevier, vol. 15(1), pages 29-39, January. [Downloadable!] (restricted)
  7. Benston, George J & Smith, Clifford W, Jr, 1976. "A Transactions Cost Approach to the Theory of Financial Intermediation," Journal of Finance, American Finance Association, vol. 31(2), pages 215-31, May. [Downloadable!] (restricted)
  8. Seward, James K, 1990. " Corporate Financial Policy and the Theory of Financial Intermediation," Journal of Finance, American Finance Association, vol. 45(2), pages 351-77, June. [Downloadable!] (restricted)
  9. Greenbaum, Stuart I. & Thakor, Anjan V., 1987. "Bank funding modes : Securitization versus deposits," Journal of Banking & Finance, Elsevier, vol. 11(3), pages 379-401, September. [Downloadable!] (restricted)
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  11. Bengt Holmstrom, 1979. "Moral Hazard and Observability," Bell Journal of Economics, The RAND Corporation, vol. 10(1), pages 74-91, Spring. [Downloadable!] (restricted)
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