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Foreclosure externalities: Some new evidence
Gerardi, Kristopher; Rosenblatt, Eric; Willen, Paul S.; … - 2012
In a recent set of influential papers, researchers have argued that residential mortgage foreclosures reduce the sale … mortgage distress on house prices. …
Persistent link: https://www.econbiz.de/10010292258
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Reducing foreclosures: No easy answers
Foote, Christopher L.; Gerardi, Kristopher; Goette, Lorenz - 2009
done to stop it. We use an economic model to focus on two key decisions: the borrower's choice to default on a mortgage and … illustrate that unaffordable loans, defined as those with high mortgage payments relative to income at origination, are unlikely …
Persistent link: https://www.econbiz.de/10010292331
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Modeling a distribution of mortgage credit losses
Gapko, Petr; Šmíd, Martin - 2010
means of past mortgage deliquency rates. We give a statistical evidence that the non-normal model is much more suitable than …
Persistent link: https://www.econbiz.de/10010322287
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Foreclosure externalities: Some new evidence
Gerardi, Kristopher S.; Rosenblatt, Eric; Willen, Paul S.; … - 2012
In a recent set of influential papers, researchers have argued that residential mortgage foreclosures reduce the sale … mortgage distress on house prices. …
Persistent link: https://www.econbiz.de/10010377447
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Driving Factors of the Subprime Crisis and Some Reform Proposals
Rudolph, Bernd; Scholz, Julia - In: CESifo DICE Report 06 (2008) 3, pp. 14-19
Persistent link: https://www.econbiz.de/10011696646
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Making sense of the subprime crisis
Gerardi, Kristopher S.; Lehnert, Andreas; Sherland, Shane M. - 2009
discussions of the mortgage market to see what market participants thought would happen, the authors find that analysts, on the …
Persistent link: https://www.econbiz.de/10010292214
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Using Bankruptcy to Reduce Foreclosures
Li, Wenli; Tewari, Ishani; White, Michelle - In: CESifo DICE Report 12 (2014) 3, pp. 31-38
Persistent link: https://www.econbiz.de/10011696880
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Making sense of the subprime crisis
Gerardi, Kristopher S.; Lehnert, Andreas; Sherland, Shane M. - 2008
contemporary discussions of the mortgage market to see what market participants thought would happen, the authors find that …
Persistent link: https://www.econbiz.de/10010282751
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Negative equity and foreclosure: Theory and evidence
Foote, Christopher L.; Gerardi, Kristopher; Willen, Paul S. - 2008
Millions of Americans have negative housing equity, meaning that the outstanding balance on their mortgage exceeds … foreclosure. This result is also, contrary to popular belief, completely consistent with economic theory, which predicts that from …
Persistent link: https://www.econbiz.de/10010282789
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Juvenile delinquent mortgages: Bad credit or bad economy?
Haughwout, Andrew; Peach, Richard; Tracy, Joseph - 2008
We study early default, defined as serious delinquency or foreclosure in the first year, among nonprime mortgages from the 2001 to 2007 vintages. After documenting a dramatic rise in such defaults and discussing their correlates, we examine two primary explanations: changes in underwriting...
Persistent link: https://www.econbiz.de/10010283552