financial implications for participating mortgage issuers, as poorer applicants with lower job stability are injected into the …’s principal mortgage issuer, which contains information on borrowers’ repayment behavior. It is found that borrowers who received … not seem to have negative financial implications for participating mortgage institutions. …

During the housing crisis, it came to be recognized that inflated home mortgage appraisals were widespread during the … adopt the Home Valuation Code of Conduct (HVCC). Using unique data sets that contain both approved and nonapproved mortgage … applications, this study provides an empirical examination of the impact of the HVCC on appraisal and mortgage outcomes. The …

This report analyzes recent proposals suggesting that the government buy up or guarantee bad mortgage debt in an … study, which focuses on the plan put forth by the Office of Thrift Supervision, shows that banks and mortgage holders end up …

of the TPP for missing documentation was higher for those who were current on their mortgage payments, compared to those …

Home appraisals are produced for millions of residential mortgage transactions each year, but appraisals are rarely … below the transaction price. We exploit a unique data set to show that the mortgage application process creates an incentive …

A mortgage is an exchange of a collection of rights between a borrower and a lender. In this article, we describe those … medieval origins of the American mortgage contract and its evolution into its present form. We then turn to topics relevant for …-of-sale foreclosure; deficiency judgments and recourse; assignments; the Mortgage Electronic Registration System; and methods for avoiding …

structure strategy of REITs and assess the mortgage risk premiums for lender. The results indicate that the REITs should … should seek borrowers who can pay mortgage interest continuously. At the same time, by maximizing mortgage premiums, they can …

This paper describes the Danish mortgage system by comparing it with the UK mortgage system. The Danish mortgage system … has attracted attention in the literature on the design of mortgage systems. It is a type of narrow banking model where … mortgage loans are financed by specialised institutions that issue bonds with cash flows that match that of the mortgage loans …