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Lending Competition, Regulation and Non-Traditional Mortgages

Acolin, Arthur; An, Xudong; Wachter, Susan M. - 2021

We examine the factors that determine the likelihood of borrowers using non-traditional mortgages (NTMs) prior to the Great Recession. Borrower choice depends on borrower characteristics such as income, levels of asset holdings, credit score and age and on market factors such as house price...

Persistent link: https://www.econbiz.de/10013246346

Lending competition, regulation, and nontraditional mortgages

Acolin, Arthur; An, Xudong; Wachter, Susan M. - In: Real estate economics 50 (2022) 2, pp. 340-365

Persistent link: https://www.econbiz.de/10013184919

Borrower and neighborhood racial and income characteristics and financial institution mortgage application screening

Schill, Michael H. - In: The journal of real estate finance and economics 9 (1994) 3, pp. 223-239

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Information externalities and home mortgage underwriting

Ling, David C. - In: Journal of urban economics 44 (1998) 3, pp. 317-332

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Do borrowing constraints change US homeownership rates?

Linneman, Peter; Megbolugbe, Isaac F.; Wachter, Susan M.; … - In: Journal of housing economics 6 (1997) 4, pp. 318-333

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Borrowing constraints and the tenure choice of young households

Haurin, Donald R.; Hendershott, Patric H.; Wachter, Susan M. - 1996

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Credit supply and housing prices in national and local markets

Wachter, Susan M. - In: Public finance review : PFR 44 (2016) 1, pp. 6-21

Persistent link: https://www.econbiz.de/10011539035

The great American housing bubble : what went wrong and how we can protect ourselves in the future

Levitin, Adam J.; Wachter, Susan M. - 2020

Introduction: In praise of homeownership -- Housing finance before the New Deal -- The New Deal mortgage -- The rise of … definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by … in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble …

Persistent link: https://www.econbiz.de/10012134099

Transparency in the mortgage market

Pavlov, Andrey D.; Wachter, Susan M.; Zevelev, Albert Alex - In: Journal of financial services research : JFSR 49 (2016) 2/3, pp. 265-280

Persistent link: https://www.econbiz.de/10011592094