Refractive Thinker:Vol II: Effective Research Method and Design for Doctoral Scholars: Ch5

Additional Book Details

Chapter 5: Comparative Study on Mortgage Lending Practices to Minority Borrowers in the Atlanta, Georgia Area by Dr. Coleen James

Owning a home is the American Dream of many. In recent times, many laws have been enacted to help protect this basic fundamental dream. The Georgia Fair Lending Act (GAFLA) was passed in October 2002 to protect the elderly, persons with a low credit rating, and those that may not be able to manage their monies effectively. The main intention of the law was to protect borrowers from high prepayment penalties, and other unknown fees. The James (2013) study was conducted to take an in-depth view of the mortgage lending practices to minority borrowers in the Atlanta, Georgia Area from the perspective of local real estate agents. 30 agents were interviewed. They were African American, Asian American, Hispanic American and White American. Their responses to the 15 questions presented will astound you.

The Refractive Thinker series provides doctoral scholars with a collaborative opportunity to promote and publish their work in a peer reviewed publication, which meets the university standard. Our goal is to provide an affordable outlet for scholars that supports the tremendous need for dynamic dialogue and innovation while providing an additional clout and recognition for each contributing author. Unlike most academic books that merely define research, The Refractive Thinker offers unique application of research methodologies from the perspective of multiple authors each offering a chapter based on their specific expertise.