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Systematic mistakes in the mortgage market and lack of financial sophistication

Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - 2016

borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market …: mortgage points. Points allow borrowers to exchange an upfront amount for a decrease in the mortgage rate. We document that, on … mistakes on other dimensions (e.g., inefficiently refinancing their mortgages). Overall, our results show that borrowers …

Persistent link: https://www.econbiz.de/10011962222

Financial illiteracy and mortgage refinancing decisions

Bajo, Emanuele; Barbi, Massimiliano - In: Journal of banking & finance 94 (2018), pp. 279-296

Persistent link: https://www.econbiz.de/10011966653

What's the catch? : suspicion of bank motives and sluggish refinancing

Johnson, Eric J.; Meier, Stephan; Toubia, Olivier - In: The review of financial studies 32 (2019) 2, pp. 467-495

Persistent link: https://www.econbiz.de/10012033508

The role of prepayment penalties in mortgage loans

Beltratti, Andrea; Benetton, Matteo; Gavazza, Alessandro - In: Journal of banking & finance 82 (2017), pp. 165-179

Persistent link: https://www.econbiz.de/10011816797

What fueled the financial crisis? : an analysis of the performance of purchase and refinance loans

Goodman, Laurie Sharon; Zhu, Jun - In: The journal of fixed income 28 (2018) 1, pp. 27-37

Persistent link: https://www.econbiz.de/10011905570

How quantitative easing works : evidence on the refinancing channel

Di Maggio, Marco; Kermani, Amir; Palmer, Christopher J. - In: The review of economic studies : RES 87 (2020) 3, pp. 1498-1528

Persistent link: https://www.econbiz.de/10012208072

An optimal mortgage refinancing strategy with stochastic interest rate

Wu, Xiaoxia; Xie, Dejun; Edwards, David A. - In: Computational economics 53 (2019) 4, pp. 1353-1375

Persistent link: https://www.econbiz.de/10012135162

Stuck in subprime? : examining the barriers to refinancing mortgage debt

Lambie-Hanson, Lauren; Reid, Carolina - 2017

Persistent link: https://www.econbiz.de/10011792666

Payment changes and default risk : the impact of refinancing on expected credit losses

Tracy, Joseph S.; Wright, Joshua D. - In: Journal of urban economics 93 (2016), pp. 60-70

Persistent link: https://www.econbiz.de/10011636498

Regional heterogeneity and monetary policy

Fuster, Andreas; Fuster, Andreas; Hurst, Erik; Vavra, Joseph - 2017

Persistent link: https://www.econbiz.de/10011641025