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Aragon, Diego - 2010

.5 trillion over the next five. Despite clear signs of strain in the FHA's Mutual Mortgage Insurance Fund, a recent actuarial … available from mortgage delinquency; and it ignores potential risks associated with recent down-payment assistant programs …

Persistent link: https://www.econbiz.de/10012462848

Debt Usage and Mortgage Choice : Sensitivity to Default Insurance Costs

Hendershott, Patric H. - 1995

select an adjustable or fixed rate mortgage (ARM or FRM) and whether to choose an FHA or a conventional loan. While some have … analyzed the mortgage debt decision and the ARM/FRM choice, virtually no one has studied the FHA/conventional mortgage choice … or the interrelation among the mortgage debt and instrument decisions. In our sample of 819 young home purchasers, debt …

Persistent link: https://www.econbiz.de/10012473820

Home Equity Insurance

Shiller, Robert J. - 1994

Home equity insurance policies, policies insuring homeowners against declines in the price of their homes, would bear some resemblance both to ordinary insurance and to financial hedging vehicles. A menu of choices for the design of such policies is presented here, and conceptual issues are...

Persistent link: https://www.econbiz.de/10012474085

Banking and Insurance

Haubrich, Joseph G. - 1984

This paper studies the economic role of financial institutions in economies where agents' incomes are subject to privately observable, idiosyncratic random events. The information structure precludes conventional insurance arrangements. However, a financial institution -- perhaps best viewed as...

Persistent link: https://www.econbiz.de/10012477783

Relationship Banking and the Pricing of Financial Services

Calomiris, Charles - 2006

We investigate how banking relationships that combine lending and underwriting services affect the terms of lending, through both loan supply- and loan demand-side effects, and the underwriting costs of debt and equity issues. We capture and control for firm characteristics, including...

Persistent link: https://www.econbiz.de/10012466039