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Costs and returns on farm mortgage lending by life insurance companies : 1945 - 1947
Saulnier, R. J. - 1949
Persistent link: https://www.econbiz.de/10001721036
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Urban mortgage lending by life insurance companies
Saulnier, R. J. - 1950
Persistent link: https://www.econbiz.de/10001791771
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Commercial bank activities in urban mortgage financing
Behrens, Carl F. - 1952
Persistent link: https://www.econbiz.de/10001906603
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The Effect of Principal Reduction on Household Distress : Evidence from Mortgage Cramdown
Cespedes, Jacelly C.; Parra, Carlos R.; Sialm, Clemens - National Bureau of Economic Research - 2021
Mortgage cramdown enabled bankruptcy judges to discharge the underwater portion of a mortgage during Chapter 13 …
Persistent link: https://www.econbiz.de/10012585384
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Temptation and Incentives to Wealth Accumulation
Attanasio, Orazio P.; Kovacs, Agnes; Moran, Patrick - National Bureau of Economic Research - 2021
We propose a rich model of household behavior to study the effect of two important policies: mortgage interest tax … deduction and mandatory mortgage amortization. These policies have attracted some controversy, first because they are conceived …
Persistent link: https://www.econbiz.de/10012585422
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New Evidence on Redlining by Federal Housing Programs in the 1930s
Fishback, Price Van Meter; Rose, Jonathan; Snowden, … - National Bureau of Economic Research - 2021
conclude that the HOLC's redlining maps had little effect on the geographic distribution of either program's mortgage market …
Persistent link: https://www.econbiz.de/10012629464
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Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus
Zhang, David Hao; Willen, Paul - National Bureau of Economic Research - 2021
Motivated by the assessment of racial discrimination in mortgage pricing, we introduce a new methodology for comparing …. Fourth, we use our methodology to estimate mortgage pricing differentials by race on a novel data set linking 2018--2019 Home … Mortgage Disclosure Act (HMDA) data to Optimal Blue rate locks. We find robust evidence for mortgage pricing differentials by …
Persistent link: https://www.econbiz.de/10012616590
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The Industrial Organization of Financial Markets
Clark, Robert; Houde, Jean-François; Kastl, Jakub - National Bureau of Economic Research - 2021
This chapter discusses recent developments in the literature involving applications of industrial organization methods to finance. We structure our discussion around a simple model of a financial intermediary that concentrates its attention either on (i) the retail market and hence engages in a...
Persistent link: https://www.econbiz.de/10012616630
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Present Bias Amplifies the Household Balance-Sheet Channels of Macroeconomic Policy
Laibson, David I.; Maxted, Peter; Moll, Benjamin - National Bureau of Economic Research - 2021
We study the effects of monetary and fiscal policy in a heterogeneous-agent model where households have present-biased time preferences and naive beliefs. The model features a liquid asset and illiquid home equity, which households can use as collateral for borrowing. Because present bias...
Persistent link: https://www.econbiz.de/10012599384
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Agency MBS as Safe Assets
He, Zhiguo; Song, Zhaogang - National Bureau of Economic Research - 2022
amount depend on mortgage rate negatively, consistent with a prepayment-driven demand channel. This negative dependence …
Persistent link: https://www.econbiz.de/10013190993