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Catholic social teaching

The social consequences of mortgage repossession for parents and their children Mortgage repossession was often a route to long-term poverty and substantial debt. It altered: their social status and identity; their personal and family relationships; their health and well-being; the quality of their lives; their future hopes and aspirations; and the lives of their children. The uncertainty and lack of control associated with mortgage repossession is also, in large measure, compounded by a marked lack of clarity in the practices and procedures of lenders, the courts and local authorities. www.jrf.org.uk /knowledge/findings/housing/829.asp   (1870 words)

DeadlineNews.Com -- Navigating The Mortgage Maze Under eye-glazing pressure to sign on the dotted line of dozens of perplexing mortgage documents they've had only minutes to read, consumers accept thousands of dollars in unexpected costs because they are afraid that's the only way to buy their dream home, refinance or tap equity. Growing confusion about the complex mortgage maze and abuse that capitalizes on ignorance has already spawned a consumer uprising of civil suits, many of them class actions in a backlash that finds even the industry conceding the need for quick reform. It's not until mortgage borrowers receive the HUD-1 Settlement Sheet, which is rarely sooner than a day before closing, do all costs appear, including the controversial "yield spread premiums (YSP)". www.deadlinenews.com /mortgagemaze22002.html   (2438 words)

Mortgages, Bad Credit Mortgages, Manhattan Mortgage Tampa, Brandon The proceeds from the reverse mortgage may be used for that purpose. A. All reverse mortgages are “non-recourse” loans, which mean that the borrower can never owe more than the value of the home regardless of loan balance. A. This is a misconception; a reverse mortgage is merely a loan against the property. www.manhattanmortgageusa.com /revmtg.htm   (849 words)

Social mortgage - Wikipedia, the free encyclopedia Social mortgage is a term used in Catholic social teaching. According to this body of thought, the social mortgage is the conditions under which humanity is allowed to use the goods of the world, which are viewed as part of God's creation. Use of the world's resources is bound to responsibility towards the rest of humanity. en.wikipedia.org /wiki/Social_mortgage   (129 words)

Catholic Social Teaching Made in the image of God, women and men, girls and boys have a sacred dignity that is the foundation of all human rights and responsibilities and the core of all Catholic social teaching. This is the principle guiding the complex sets of social relationships and the responsibilities of individuals and collective groups first articulated by Pope Pius XI in 1931. Another, equally valid strain of Catholic social tradition emphasizes the non-violence of Jesus and calls upon all Christ's disciples to bear witness in their own lives to non-violent approaches to conflict resolution. www.coc.org /bin/view.fpl/1255/article/3607.html   (788 words)

Loan Forgiveness For Social Workers After four, five, six, or more years of education, social workers are offered positions in both the public and private sectors that often fail to adequately reward them for their educational attainment, professional licenses, and credentials. Social work salaries continue to be among the lowest for professionals in general and for those with master's level educations in particular. While social workers may be in positions that are personally fulfilling, due to their high loan debt and low income, many struggle financially and are forced to forego middle class aspirations, such as home ownership. www.socialworkers.org /advocacy/updates/2004/060904.asp   (1712 words)

Here are Reverse Mortgage loan questions and answers.   (Site not responding. Last check: 2007-09-08) The proceeds from a reverse mortgage are not considered income and do not affect these benefits. With a traditional second mortgage, or a home equity line of credit, you must have good credit and sufficient income to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income or credit score. www.reversemortgagesafe.com /new248956.html   (966 words)

Mortgage Fraud :: Florida Property A mortgage underwriter has the responsibility, knowledge and experience in detecting a fraudulent application, supporting documentation, etc. This means being aware of "red flags" when reviewing the borrower documentation or lack of it. The owners of mortgage debt lose money on fraudulent loans that go bad, and the losses ultimately are passed along to borrowers. Social Security numbers can also be identified by the state from which it was issued. www.floridamortgagecorp.com /mortgagefraud.htm   (2168 words)

Social Security (Mortgage Interest Payments) Act 1992 (c. 33)   (Site not responding. Last check: 2007-09-08) (a) mortgage interest is payable to a qualifying lender by a person ("the borrower") who is entitled, or whose partner, former partner or qualifying associate is entitled, to income support; and (b) a sum in respect of that mortgage interest is or was brought into account in determining the applicable amount for the purposes of income support in the case of the borrower or the partner, former partner or qualifying associate; "mortgage interest" means interest on a loan which is secured by a mortgage of or charge over land, or (in Scotland) by a heritable security, and which has been taken out to defray money applied for any of the following purposes, that is to say— www.opsi.gov.uk /acts/acts1992/Ukpga_19920033_en_1.htm   (1638 words)

Pope John Paul II 30 December 1987 20th Anniversary of Populorum Progressio In fact, just as social inequalities down to the level of poverty exist in rich countries, so, in parallel fashion, in the less developed countries one often sees manifestations of selfishness and a flaunting of wealth which is as disconcerting as it is scandalous. It must also be restated that no social group, for example a political party, has the right to usurp the role of sole leader, since this brings about the destruction of the true subjectivity of society and of the individual citizens, as happens in every form of totalitarianism. This is often true also in the field of social communications, which, being run by centers mostly in the northern hemisphere, do not always give due consideration to the priorities and problems of such countries or respect their cultural make-up. www.ewtn.com /library/ENCYC/JP2SOCIA.HTM   (16459 words)

Catholic Church Social Teachings: Matthew 25 It affects the life of each Christian inasmuch as he or she seeks to imitate the life of Christ, but it applies equally to our social responsibilities and hence to our manner of living, and to the logical decisions to be made concerning the ownership and use of goods... The globalized economy must be analyzed in the light of the principles of social justice, respecting the preferential option for the poor who must be allowed to take their place in such an economy, and the requirements of the international common good... This teaching is seen in the efforts of individuals, families, people involved in cultural and social life, as well as politicians and statesmen to give it a concrete form and application in history. www.right-wing-pseudo-christians.com /church-teachings.htm   (5957 words)

Comparison of George's Economic Theory of Justice with the Catholic Church's Social Teachings Concerning the Right to ... Catholic social teachings is based on the fundamental principle, as stated in Rerum Novarum, that while it is true that land is a gift given to all, individual property in land (here the Church means agricultural land) is in accordance with natural law. Social reforms which created better living conditions for the less fortunate in society would be justified under the principle of 'solidarity'. The demise of "Real Socialism", concern for the environment and natural resource management, and the failure of governments to stop urban decay, provide affordable housing and public transportation, may create the atmosphere where Georgist philosophy is once again at the forefront of social consciousness. www.progress.org /cg/henn1204.htm   (2857 words)

One Mortgage Network, Inc.   (Site not responding. Last check: 2007-09-08) Currently the IRS treats monies received from a reverse mortgage to be loan advances and not taxable income. No, this is a misconception; a reverse mortgage is a loan against the property. You are required to pay your property taxes, keep current the property insurance in place, maintain the home and notify the lender if you will be away from the property for an extended period of time. www.onereversemortgage.com /FAQ.php   (744 words)

Mandate for Leadership: 20. Reforming Social Security Workers should be able to use Social Security to build a cash nest egg that can be used to increase their retirement income or to build a better economic future for their families. The existing annual Social Security statement should clearly and simply explain the system’s coming fiscal problems and include a measure of the worker’s rate of return on his or her payroll taxes. Social Security’s benefit formula needs to be revised to reduce the cost that future generations will have to pay to honor benefit promises made today. www.heritage.org /research/features/mandate/2005/topic.cfm?topic=20   (1479 words)

Mortgage lenders 'must be more innovative' | 24dash.com - Social Housing Mortgage lenders and the finance industry have got to be more innovative to help people onto the housing ladder, rather than locking people into massive cycles of debt and the danger of repossession, the UK's largest housing and regeneration group has today warned. It is the first time a housing organisation has directly offered its customers mortgages, and the first mortgage sale is expected to be completed within the next three weeks. This is one of a number of finance products and options that the Group is now offering to help its customers purchase the share in their homes that is appropriate to their financial situation. www.24dash.com /socialhousing/12461.htm   (392 words)

Capital gains and Social Security taxes The annual FICA limit is the amount of wages from a single employer that is subject to the Social Security tax, which is 6.2 percent. Social Security wages are the same for singles or married couples. If your total Social Security wages for the year exceed $90,000 in 2005, you can claim any excess Social Security tax withheld as a credit on your 2005 Form 1040. www.bankrate.com /brm/itax/tax_adviser/20050920a1.asp   (418 words)

Social Action Office - Catholic Social Teaching It was written in an era of immense social change in Europe, distinguished by the awakening of democracy and the popular appeal of communism to the working class. Firstly, this teaching highlights the Church's engagement with the big socio-economic and political issues since 1891 and, it is evident from the time-line, that the papacy of Pope John XXIII and Vatican II gave significant impetus to this dynamic in the life of the Church. Each of the social encyclicals reflects the issues of the time in which it was written and the personality of the author. sao.clriq.org.au /cst/cst_intro.html   (2337 words)

USCCB - Task Force on Catholic Social Teaching and Catholic Education   (Site not responding. Last check: 2007-09-08) While there are a variety of commentaries on the Church's social tradition, this summary is drawn directly from the authoritative documents of the universal Church and the statements of the U.S. bishops on Catholic social teaching. The development of the Catholic social tradition over the past one hundred years has led to a sophisticated body of teaching that cannot be simplified or summarized easily. We are called to see a "social mortgage" that guides our use of the world's goods, and we are invited to be "social trustees" of the goods of the world for today and for the future. www.usccb.org /sdwp/projects/socialteaching/subgroup.htm   (3009 words)

[No title]   (Site not responding. Last check: 2007-09-08) Catholic social teaching takes as its entry point into policy formulation a belief in the fundamental dignity of every human person. The phrase "option for and with the poor and vulnerable" is relatively new in the Church's social teachings. CST identified such a social theory as being individualistic in the extreme. www.lycos.com /info/catholic-social-teaching--united-states.html   (357 words)

Welcome to Morel Group >>>Falcon Mortgage Finance Company Ltd. Falcon Mortgage Finance Limited was incorporated in February, 1992 and was licensed to operate a mortgage bank in November, 1992 to mobilize primary, secondary savings and deposits for mortgage loans to individuals, institutions, companies and governmental organisations. The existing FGN policy pegs mortgage interest rate at 5% instead of 9% and extends the tenor of the mortgage loan from 25years to 30years duration. A new FGN sponsored Mortgage Institution called the Nigerian National Mortgage Bank is being established to manage the National Housing fund which PMI's including Falcon Mortgage Finance Limited can now more readily access for on-lending to NHF contributors. www.morelgroup.net /finance.html   (526 words)

Reverse Mortgage Information - Carteret Mortgage Corporation With a Reverse Mortgage, you do not repay the loan as long as your home remains the principal residence, your income is not considered when qualifying you for the loan, and there is no requirement that you re-qualify each year. Yes, you will have to pay an origination fee, other closing costs, and a mortgage insurance premium, which is divided into two parts: an upfront premium of two percent of the maximum claim amount, and annual, ongoing fee of half percent on your mortgage balance. One adjustable-rate mortgage (ARM) plan features annual interest rate adjustments with a two percent cap on the amount that the interest may change at each adjustment and a five percent cap on increases or decreases over the life of the loan. www.reversemortgageinfo.net /reverse-mortgage-facts.htm   (1808 words)

How To Save Social Security   (Site not responding. Last check: 2007-09-08) Using the power of compound interest, the excess Social Security receipts (payroll taxes) could be invested at around 6% and the funds would grow enough to ensure the solvency of the Social Security system. In 1938, the Federal government established the Federal National Mortgage Agency (FNMA) which later bacame known as "Fannie Mae." FNMA was formed to expand the flow of mortgage money by creating a secondary market. It would not REQUIRE 16 billion each year for 65 years to meet the future needs of the Social Security system, but it is very important that as much money as possible be invested as early as possible to work the miracle of compound interest. howtosavesocialsecurity.com   (1986 words)

Mortgage banks (Social policy) | Business solutions from AllBusiness.com Not a fl and white issue; data that many non-industry observers see as documenting mortgage discrimination, tells only a tiny part of the story. As mortgage bankers took over a growing share of the mortgage market during the 1980s, mortgage costs were driven down. This paper is an expanded version of a presentation given at a World Bank Symposium on Mortgage Market Development, held in Cairo on 9 June... www.allbusiness.com /mortgage-banks/3263845-1.html   (826 words)

The Seven Principles of Social Security Reform Social Security should not be reformed or "saved" for its own sake, but only if the revised system more effectively provides the benefits workers need at a price they can afford. As a general rule, the younger a worker is or the lower his or her income, the lower his or her rate of return will be. David C. John is Research Fellow in Social Security and Financial Institutions in the Thomas A. Roe Institute for Economic Policy Studies at The Heritage Foundation. www.heritage.org /Research/SocialSecurity/wm557.cfm   (796 words)

MHI Mortgage Mortgage This Privacy Notice describes the privacy practices of Cornerstone Home Mortgage Corp. d/b/a MHi Mortgage, a subsidiary of Mercedes Homes Inc. At MHi Mortgage, respecting the privacy and security of your personal information is important to us. MHi Mortgage is a subsidiary of Mercedes Homes Inc. Mercedes Homes Inc. is the parent company of a group of companies which include MHi Mortgage and BDR Title. www.mhimortgage.com /privacy.htm   (680 words)

Reverse Mortgage Specialists   (Site not responding. Last check: 2007-09-08) Reverse Mortgages are a powerful tool to help eligible homeowners obtain tax-free cash flow. Let your "Reverse Mortgage Specialist" be of service to you and your clients. No, repayment can be accomplished by refinancing the existing Reverse Mortgage with a conventional mortgage. www.reversemortgagespecialists.us /whatis.htm   (608 words)

VCCS: Social Thought and Business Education The Catholic social teaching view of work, outlined so elegantly in John Paul II encyclical on human work, states that when we work we are participating with God in the act of creation. The Catholic social thought (and Thomistic) understanding of property, of the benefits of private property and of the social nature of property (what John Paul II calls property's social mortgage) is more realistic than the Lockean theory which grounds business education. Too often the role of power and social exclusion are hidden under the myth of the "all mighty" market, when in fact they determine prices and wages and thus create the great inequalities we see today. www.vincenter.org /00-01/cst-clark.html   (1586 words)

The Effect of GSEs... on Home Mortgage Lending to Underserved Markets Given the rapid pace of change in home mortgage lending and the recent adoption of new programs by the GSEs, the key findings of this study may soon need to be updated. The paper also includes new or expanded discussions of the social science research on inequality in home mortgage lending and the sociological importance of homeownership to underserved markets. Inside Mortgage Finance (located on the web at www.imfpubs.com) has graciously given permission to reprint two articles they have done on this research. www.nd.edu /~rwilliam/research/hud1999/hud1999.html   (412 words)

Catholic Social Teaching and Agriculture   (Site not responding. Last check: 2007-09-08) Widespread ownership is a social good that must be promoted and protected. "social mortgage" on property, a concept that calls for responsible stewardship for the sake of the larger Solidarity is both a principle of Catholic social teaching and a virtue to practice. www.ncrlc.com /CST-Agriculture.html   (1218 words)

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