This paper examines mortgage outcomes for a large, representative sample of individual home purchases and refinances … is important heterogeneity within minorities: black and Hispanics that live in areas with lower employment rates and that … shocks and raise concerns about homeownership as a mechanism for reducing racial disparities in wealth …

This paper examines mortgage outcomes for a large, representative sample of individual home purchases and refinances … is important heterogeneity within minorities: black and Hispanics that live in areas with lower employment rates and that … shocks and raise concerns about homeownership as a mechanism for reducing racial disparities in wealth …

This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas … lenders explains almost all of the racial and ethnic differences in high cost mortgage borrowing …

Millions of minority homeowners are at risk of losing their homes as a result of the housing crisis due to mortgage … foreclosure and home repossession. One consumer-oriented policy response to this crisis is mortgage default counseling for … between counseling and the probability that a borrower obtains a modification of his/her original mortgage contract terms. The …