Nearly a third of all families purchasing new homes in 2006 obtained a mortgage from a financing company owned or … affiliated with a large homebuilder. Corporate parent profits from both the sale of the house and from financing the mortgage …, which may lead to less screening of borrowers and mortgage terms to get the deal done. In this paper, we use loan-level data …

Prior to the subprime crisis, mortgage brokers charged higher percentage fees for loans that turned out to be riskier … residential mortgage securitizations. …

research for the U.S. home mortgage market suggests that securitization itself may not have been a problem, but rather the …

Mortgage refinancing activity associated with extraction of home equity contains a strongly counter-cyclical component … empirically evaluate its predictions for the households' choices of leverage, liquid assets, and mortgage refinancing using micro …

commercial mortgage market …

mortgage crisis, which, in contrast to the preceding housing boom, was not accompanied by a rise in homeownership rates. Using …

Canada's mortgage insurance risk needs a better backstop fund, according to a new report released today by the C ….D. Howe Institute. In “Mortgage Insurance as a Macroprudential Tool: Dealing with the Risk of a Housing Market Crash in Canada …,” authors Thorsten V. Koeppl and James MacGee suggest an era of steadily rising house prices and high mortgage debt warrants …

of macroprudential instruments addressing mortgage credit. The model compares the introduction of a loan-to-value ratio …

We provide new evidence that credit supply shifts contributed to the U.S. subprime mortgage boom and bust. We collect … original data on both government and private mortgage insurance premiums from 1999-2016, and document that prior to 2008 …