defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

Home appraisals are produced for millions of residential mortgage transactions each year, but appraised values are … institutional framework that governs mortgage lending lead to information loss in appraisals (that is, appraisals set equal to the … incidence of mortgage default at loan-to-value boundaries (notches) above which mortgage insurance rates increase. Appraisals …

defaulters have both negative equity and enough liquid or illiquid assets to make one month's mortgage payment. This finding …

This paper empirically analyses the effect of unemployment on mortgage loan late payments using German household panel … missing a mortgage payment increases by two percentage points. The effect intensifies with the length of unemployment. When … examining the interaction between mortgage late payments and households' debt service, we find that higher borrower-based risk …

borrowing and lending in the future, but technology has been reshaping consumer and mortgage lending for many years. During the … 1990s, computerization allowed mortgage lenders to reduce loanprocessing times and largely replace human-based assessments … housing boom was an endogenous response to widespread expectations of higher future house prices, as average mortgage sizes …

mortgage providers but the largest bank shifted the Dutch mortgage market from a competitive to a collusive price leadership … equilibrium. In May 2009, mortgage rates in The Netherlands suddenly rose against the decreasing funding cost trend to almost a …, and estimate response adjustments in cointegrating equations on a large data set of daily mortgage rates 2004 …