to find that limits on home equity borrowing in Texas lowered the likelihood of mortgage default by about 1.5 percentage … points for all mortgages and 4-5 percentage points for nonprime mortgages. Estimated nonprime mortgage default hazards within …

associated with the liquidation of collateralized debt. Using the mortgage market as a laboratory, we conjecture that lenders …

determinants of access to mortgage finance. It also examines whether mortgage holders were more likely to suffer financial distress … compared with non-mortgage holders in the period before the global financial crisis. The analysis does not find any systematic … evidence that mortgage holders are financially more vulnerable than renters or outright owners; in fact, the incidence of …

recent publications in Real Estate Economics that are related to households' mortgage choices. The paper covers four areas …: (1) the role of intermediaries such as mortgage brokers; (2) how households choose between a fixed and an adjustable rate … mortgage; (3) how homeowners choose between other features of mortgage contracts; and (4) reverse mortgages …

In this paper we disentangle the impact of household financial constraints on the mortgage rate from a number of … bargain for lower mortgage rates. However, contrary to other studies, the risk profile does not have a significant effect on …

leverage, precautionary saving in liquid assets and illiquid home equity, debt repayment, mortgage refinancing, and default …

This article analyzes the over-indebtedness caused by irresponsible mortgage lending by credit institutions in Spain … multidisciplinary approach of the mortgage system that includes the customer's perspective involving the banking sector as well as the …