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Untangling the Sources of Mortgage Closing Costs (September 2008 issue of ResearchWorks)
http://www.huduser.org/periodicals/ResearchWorks/sep_08/RW_vol5num8t1.html
This article from HUD USER's monthly newsletter, ResearchWorks, provides insight drawn from recent HUD research into the fees and closing cost variations paid to lenders and mortgage brokers, real estate agents, and title companies. The research calls for better and clearer consumer information as wide variations in costs between services and lenders, as well as price discrimination, indicate a less-than-competitive market.
A Study of Closing Costs for FHA Mortgages (May 2008, 270 p.)
http://www.huduser.org/publications/hsgfin/fha_closing_cost.html
This study presents findings on how much borrowers pay in closing costs when they buy a house, how much these costs vary, and factors to which the variation is related.
Providing Alternatives to Mortgage Foreclosure: A Report to Congress (August 1996, 200 p.)
http://www.huduser.org/publications/hsgfin/mortgage.html
This report reviews foreclosure laws, investigates the use of various avoidance procedures, and cites areas for continued improvement. It urges greater uniformity among state foreclosure laws and calls for agencies to provide better incentives for loan servicers to initiate loan modifications and forbearances.