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...confusing. Faced with record-high real estate prices, new buyers are turning to so-called specialty mortgages designed to make homeownership possible even with a checkered credit history and little or no down payment. Specialty loans used to represent only about 3% of the mortgage market, but a survey by the Federal Reserve shows that they now account for more than a quarter of new business at some of the nation's largest home lenders...
...MONEY? NO PROB Scraping together the traditional 20% down payment is the biggest hurdle to homeownership, especially with home prices up an average of 54% over the past five years. That may explain why a recent survey by the National Association of Realtors found that a startling 43% of first timers signed up for no-money-down mortgages. But financing 100% of your home exacts some extra costs, like private mortgage insurance, which most lenders require for a down payment of less than 20%. On top of a larger than average down payment, you may also be saddled with...
Sources: Space Services Inc. (2); Multi-State Lottery Association (2); Scientific American Mind Survey (2); AFP; Harvard Public School of Health
...science exams do not translate into success in introductory level college science courses, according to a study by researchers at Harvard and the University of Virginia. Harvard’s Wright senior lecturer on celestial navigation, Philip M. Sadler, the primary researcher of the study, said the recent survey polled college students in biology, physics, and chemistry courses to test the correlation between AP scores and first-semester college grades.The study, which found no significant correlation between AP scores and grades, adds to the ongoing debate among educators over the weight placed on AP exam scores.Many educators question whether...
Only 13 black economics professors teach undergraduates at the nation’s 25 highest ranking universities, according to a recent survey conducted by the Journal of Blacks in Higher Education (JBHE). This represents approximately one percent of the total number of economics professors at these schools. Twelve years ago, a survey of the same universities found 11 black economists. Harvard is no exception to the trend, with Caroline M. Hoxby ’88 as its only black economics professor. Prejudice against black economists does not seem to be at the root of the problem, according to the study...