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Subprime mortgage pricing: The impact of race, ethnicity, and gender on the cost of borrowing

Haughwout, Andrew; Mayer, Christopher; Tracy, Joseph - 2009

information on subprime borrowers with information on the mortgages they took out. In a sample of more than 75,000 adjustable …-rate mortgages, we find no evidence of adverse pricing by race, ethnicity, or gender in either the initial rate or the reset margin …, and the data do not indicate whether borrowers might have qualified for less expensive conforming mortgages. …

Persistent link: https://www.econbiz.de/10010283533

Asymmetric behavior of Australia's Big-4 banks in the mortgage market

Valadkhani, Abbas; Worthington, Andrew Charles - In: Economic modelling 43 (2014), pp. 57-66

Persistent link: https://www.econbiz.de/10010500980

House-price expectations, alternative mortgage products, and default

Brueckner, Jan K.; Calem, Paul Seth; Nakamura, Leonard Isamu - 2015

Persistent link: https://www.econbiz.de/10010502824

The macro-financial implications of house price-indexed mortgage contracts

Hull, Isaiah - 2014

A standard, no-recourse mortgage contract does not adjust when the value of the underlying collateral falls. Consequently, shocks that lower house prices may trigger one of the necessary conditions for default: negative equity. A common alternative contract attempts to prevent default by...

Persistent link: https://www.econbiz.de/10010410355

The macro-financial implications of house price-indexed mortgage contracts

Hull, Isaiah - In: Economics letters 127 (2015), pp. 81-85

Persistent link: https://www.econbiz.de/10011382879

On the consequences of the discontinuation of the eleventh district cost of funds index

Nickelsburg, Jerry; Yu, William - In: The journal of real estate finance and economics 63 (2021) 1, pp. 143-160

Persistent link: https://www.econbiz.de/10012544465

Low interest rates and the distribution of household debt

Emiris, Marina; Koulischer, François - 2021

We study how changes in interest rates affect the borrowing of households and the distribution of debt within the population. In a model of household borrowing with credit constraints and endogenous house prices, we show that less constrained households with more pre-existing housing wealth...

Persistent link: https://www.econbiz.de/10012520376

The effect of interest rates on home buying : evidence from a shock to mortgage insurance premiums

Bhutta, Neil; Ringo, Daniel - In: Journal of monetary economics 118 (2021), pp. 195-211

Persistent link: https://www.econbiz.de/10012603769

Interest rate fixation periods and reference points

Lukas, Moritz; Nöth, Markus - In: Journal of behavioral and experimental economics 94 (2021), pp. 1-20

Persistent link: https://www.econbiz.de/10013176803

Price discrimination and mortgage choice

Coen, Jamie; Kashyap, Anil K.; Rostom, May - 2021

Persistent link: https://www.econbiz.de/10012795092