.S. homeownership rate by investigating the effect of each factor on the housing and mortgage decisions. The second paper assesses how … address this theme using household-level data and quantitative macroeconomic models. In the first essay, I ask if a mortgage … credit crunch caused the recent decline in the homeownership rate in the U.S. To answer this question, I develop a life …

Subprime mortgage lending has grown rapidly in recent years and with it, so have concerns about predatory lending. In …

The main goal of Master thesis is to analyze U.S. mortgage crisis and test its influence on the particular Lithuanian … market player, pointing the drop and stabilization of its financial indicators. To reach this goal mortgage crisis reasons …

estimates of their creditworthiness. This contrasts sharply with mortgage markets where lenders specialize in specific risk … categories of borrowers and mortgage supply is stepwise linear. The contrast between continuous lending for personal loans and … discrete lending by specialized lenders for mortgage credit has led to concerns regarding the efficiency and equity of mortgage …

nonprime and prime loan default and prepayment behavior. Nonprime loans are identified by mortgage interest rates that are … to call the mortgage or refinance is in the money and this effect is magnified for mortgages with low credit scores …

This paper examines the nature of mortgage credit rationing across geographic markets and time. Particular attention is … paid to the response of conventional mortgage supply to higher risk conditions associated with regional recessions. We … applications, as well as FHA and conventional rejection rates. Results of these four tests indicate that conventional mortgage …