In this paper we examine the relationship between homeowners' bankruptcy decisions and their mortgage default decisions …

generosity across U.S. states and over time, we find that UI helps the unemployed avoid defaulting on their mortgage debt. We …

.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 …

This paper explores the causes and consequences of cross-country variation in mortgage market structure. It draws on …. It discusses lessons from the credit boom, the challenges of mortgage modification in the aftermath of the boom, consumer … financial protection, and alternative mortgage forms and funding models. The paper argues that the US has much to learn from …

This paper explores the practice of mortgage refinancing in a dynamic competitive lending model with risky borrowers … prevents the mortgage pools from becoming disproportionately composed of the riskiest borrowers over time. Mortgages with … prepayment penalties allow lenders to lower mortgage rates and extend credit to the least creditworthy, with the largest benefits …