Uncover the hidden architecture of homeownership in America. This insightful book exposes the powerful, often-invisible mortgage servicing industry, detailing its significant control over homeowners’ financial lives and persistent servicing problems. Explore the quiet shift towards less regulated shadow banking sectors and understand why legal protections for homeowners facing foreclosure are weaker than perceived. Essential reading for students and professionals in finance, economics, and law, offering critical insights into global housing finance and regulatory oversight. Gain a deeper understanding of the mortgage system’s complexities.