Whois & Analysis for fhlbdm.com

The Federal Home Loan Banks (FHLBanks, or FHLBank System) are 11 U.S. government-sponsored banks that provide reliable liquidity to member financial institutions (not individuals) to support housing finance and community investment.

With their members, the FHLBanks represents the largest collective source of home mortgage and community credit in the United States.

Affordable housing is housing which is deemed affordable to those with a median household income as rated by country, State (province), region, or municipality by a recognized Housing Affordability Index.

In Australia, the National Affordable Housing Summit Group developed their definition of affordable housing as housing that is, "...reasonably adequate in standard and location for lower or middle income households and does not cost so much that a household is unlikely to be able to meet other basic needs on a sustainable basis." In the United Kingdom affordable housing includes "social rented and intermediate housing, provided to specified eligible households whose needs are not met by the market." Most of the literature on affordable housing refers to mortgages and number of forms that exist along a continuum – from emergency shelters, to transitional housing, to non-market rental (also known as social or subsidized housing), to formal and informal rental, indigenous housing and ending with affordable home ownership.

Des Moines is the capital and the most populous city in the U.S. state of Iowa.

It is also the county seat of Polk County.

A small portion of the city extends into Warren County.

It was incorporated on September 22, 1851, as Fort Des Moines, which was shortened to "Des Moines" in 1857.

It is located on and named after the Des Moines River, which likely was adapted from the French colonial name, Rivière des Moines, meaning "River of the Monks." The city's population was 203,433 as of the 2010 census.

The five-county metropolitan area is ranked 91st in terms of population in the United States with 599,789 residents according to the 2013 estimate by the United States Census Bureau.

A mortgage loan, also referred to as a mortgage, is used either by purchasers of real property to raise funds to buy real estate; or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged.

The loan is "secured" on the borrower's property.

This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms.

The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.

Economic development is the process by which a nation improves the economic, political, and social well-being of its people.

The term has been used frequently by economists, politicians, and others in the 20th and 21st centuries.

The concept, however, has been in existence in the West for centuries.

Modernization, Westernization, and especially Industrialization are other terms people have used while discussing economic development.

Economic development has a direct relationship with the environment and environmental issues.