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Equity Sharing: Yesterday's Solution to Today's
Problem
Is equity sharing, paired with debt financing, a foregone conclusion for the
future of the residential housing market? It sure seems that way, in view
of the Treasury's recent announcement advocating the use of equity sharing
when paired with principal reduction activities (HAMP Update: Supplemental
Directive 10-14). But the question remains; what form and
function of equity sharing will be the most suitable and amenable to
implement across all applications and on a mass scale?
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The Cure To The Housing Crisis: Equity Swaps
Dr. Michael Lissack is interviewed on Switzer TV
February 22 2011
“Dr Michael Lissack, one of the top 25 Wall Street bankers in the 1990s and former managing director of Smith Barney, has turned author. From floods to cyclones to people’s revolutions, he looks at how world forces shape the stock market
and how equity swaps can save the U.S. housing market."
Click
Here To See The Video
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EquiDebt Marketing Database:
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Multi-Purpose White Paper
In depth review of equity sharing and
the role a HEFI plays across loss mitigation, purchase and investor
scenarios. |
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Loss Mitigation White Paper
In depth review of equity sharing and
the role a HEFI plays as a workout tool for a loan modification that
allows for principal reduction. |
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Purchase White Paper
In depth review of equity sharing and
the role a HEFI plays for facilitating down payment support for
builders, REO holders and municipalities. |
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Investor White Paper
In depth review of equity sharing and
the role a HEFI plays as an alternative to owning rental properties for
the residential real estate investor.
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Documents and Article Database:
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Equity Sharing: Yesterday's Solution to Today's
Problem
OpEd article discussing what form of
equity sharing will work on a mass scale and is implementable today.
*HEFI is discussed as a solution. |
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"Facebook" Analysis of the Non-Agency Market - Participants Underestimating The Housing Problem
Amherst Mortgage Insight - discussing
how the housing overhang is not solely caused by non-performing loans
but also includes re-performed loans that are re-defaulting and
underwater loans. |
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The Housing Crisis: Sizing the
Problem, Proposing Solutions
Amherst Mortgage Insight - article
summarizing the size and scope of the housing crisis. |
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A Way Forward on the Housing Crisis
Discusses a creative private-public
housing policy initiative utilizing shared equity programs. |
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The Depth of Negative Equity and
Mortgage Default Decisions
Study that analyzes at what point
under-water homeowners walk away from their homes.
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A Proposal to Repair the U.S. Mortgage
Mess
Professor William Wheaton, at MIT,
discusses equity sharing as a possible solution |
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A Piece of the Pie
Is equity sharing a solution to the nation's strategic defaulters?
*HEFI is discussed as a solution. |
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Dimensioning the Housing Crisis
Lauire Goodman, of Amherst Securities, discusses the number of delinquent loans and borrowers with negative equity. |
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Housing Options: For Sale by Owner
Research paper by Moody's discussing the application and pricing of contingent claims on residential houses
(i.e. the HEFI). |
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Equity Participation in Homeownership by Institutional Investors
Harvard University paper discussing the use of equity sharing to increase
homeownership rates. |
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Financial Innovations for Housing: After the Meltdown
Strategies, innovations, and products to help revive and revitalize the mortgage finance market.
*HEFI is discussed as a solution. |
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The Principal Principle: Optimal Modification of Distressed Home Loans
Why lenders should forgive and not forsake mortgages.
*HEFI is discussed as a solution. |
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Investment Banking Models and the Credit Crisis
Bill Hambrecht discusses how the business models of the investment banks involved in this
crisis have contributed to the disruption. *HEFI is discussed as a solution. |
Non-Profit and Gov't Sponsored Research Papers on Low Income Housing:
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Shared Equity Homeownership
2006 NHI Study: The changing landscape of resale-restricted, owner-occupied housing |
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Clarifying Shared Equity and Shared Appreciation
Homeownership Programs
2009 Center For Housing Policy study on shared equity homeownership. |
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A Path to Homeownership
2010 CAP study: Building A More Sustainable Strategy for
Expanding Homeownership. |
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Innovative Approaches to Reducing the Costs of Home Ownership
2003 Home Ownership Task Force study on innovative ideas for the housing market.
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