This paper uses information on out-of-pocket housing cost and house price appreciation along with the geo-coded version of the Panel Study of Income Dynamics to consider the differences in the impact of these and other variables on the tenure choices of sample households across three time...

This article uses recent metropolitan area samples of the American Housing Survey (AHS) for 1998, 2002, and 2004 to investigate differences in the terms, conditions, and use of mortgage financing alternatives. It investigates how financing and mortgage rates differ for Hispanics compared with...

This paper tests whether there is a preference by borrowers and lenders of a particular ethnic or racial group that may predispose them to borrow and lend from each other. Using a narrow geographic area called zip code clusters, this paper groups minority-owned and non-minority-owned banks to...

The existing literature on mortgage default and foreclosure largely examines the development of mortgage problems (the first stage) and the possibility of recovery from such problems (the second stage) separately. such studies may provide an incomplete picture of the development and possible...