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Foreclosed: High-Risk Lending, Deregulation, and the Undermining of America's Mortgage Market ReviewThis book confirms what most people within the housing industry already knew, that Dan Immergluck is perhaps the preeminent authority on all things related to the most recent crises currently plaguing the housing industry. The author lends a lot of credibility on the subject matter, given that he has been researching the effects of foreclosed properties for several years now and is not simply an example of the researcher who latches on to the most recent "flavor of the day". Given that the current foreclosure tsunami within the U.S. is nearing the three year mark, I would encourage all potential readers to make room within your summer reading list for this book.As is typical with much of his earlier work on credit and the lending industry, Dan Immergluck takes a forensic approach of examining how we have gotten to where we are today. As a result, the reader is treated to a thorough historical examination of the banking system and all of those responsible for overseeing its development over the past few decades. Despite his notable dispassionate and evenhanded approach to presenting the material within the book, Immergluck's reporting will surely leave you outraged as to government's and industry's culpability in allowing unprepared first-time homeowners to enter such a vulnerable financial situation. For all those who feel that foreclosure is something that affects "the other guy", Immergluck's book serves as a sobering reminder that the foreclosure down the street has potentially far-reaching implications for even those who are responsible in their homeownership and mortgage situation. This fact alone should cause you to be concerned enough to read this book, for despite its disturbing message on the state of the current American housing market you cannot help but read further.
Andy Carswell, Ph.D.
Department of Housing & Consumer Economics
University of Georgia
Foreclosed: High-Risk Lending, Deregulation, and the Undermining of America's Mortgage Market Overview
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