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In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

The Rocky Mountain West is largely arid and steep, with ecological scars from past human use visible for hundreds of years. Just how damaging were the past 150 years of activity? How do current rates of disturbance compare with past mining, grazing, and water diversion activities? In the face of constant change, what constitutes a "natural" ecosystem? And can ahigh quality of life be achieved for both human and natural communities inthis region? Rocky Mountain Futures presents a comprehensive and wide-ranging examination of the ecological consequences of past, current, and future human activities in the Rocky Mountain region of the United States and Canada. The book brings together 32 leading ecologists, geographers, and other scientists and researchers to present an objective assessment of thecumulative effects of human activity on the region's ecological health andto consider changes wrought by past human use. This combined view of past and present reveals where Rocky Mountain ecosystems are heading, and the authors project what the future holds based upon current economic and social trends and the patterns that emerge from them. The book: examines the biogeographic and paleoenvironmental setting and, historical climate that have shaped Rocky Mountain ecosystems, traces the direct human influences on landscapes and ecosystems over the past 150 years, explores the cumulative effects of past, present, and projected future human activities on tundra, subalpine and montane forests, valleys, grasslands, and waters, offers case studies that illustrate specific examples of human fluence and current eff orts to restore the environment Case studies focus on northern New Mexico; Summit County, Colorado; Flathead Valley, Montana; and Alberta, Canada. Among the contributors are Craig D. Allen, N. Thompson Hobbs, Linda L. Joyce, Robert E. Keane, David Schindler, Timothy R. Seastedt, David Theobald, Diana Tomback, William Travis, Cathy Whitlock, and Jack Stanford.

Adjustable rate mortgage - An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. Other forms of mortgage loan include interest only mortgage, fixed rate mortgage, Negative amortization mortgage, discounted rate mortgage and balloon payment mortgage.

Shared appreciation mortgage - A mortgage in which the lender agrees to an interest rate lower than the prevailing market rate, in exchange for a share of the appreicated value of the collateral property. The share of the appreciated value is known as the contingent interest, which is determined and due at the sale of the property or at the termination of the mortgage.

Very-high-bit-rate Digital Subscriber Line - VDSL (very high bit-rate DSL) is an xDSL technology providing data transmission up to a theoretical limit of 52 Mbit/s downstream and 12 Mbit/s upstream over a single twisted pair of wires. Compare HDSL (High bit-rate Digital Subscriber Line).

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