sharply, home loan refinancing became more and more difficult. Defaults and foreclosure activity increased steeply as ARM …

conducts this investigation in two phases. The paper first examines factors associated with pre-foreclosure outcomes for … subprime mortgages in default. It then examines factors associated with different outcomes for loans that enter foreclosure … or no documentation are more likely to enter foreclosure proceedings, and, once in foreclosure, are more likely to become …

losing the home to foreclosure). Descriptive statistics were used to create a profile of clients, and Kaplan-Meier survival … groups: survival (kept the home), foreclosure/bankruptcy (lost the home), and lost-to-follow up. Findings indicate that the …