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Recourse and residential mortgages : the case of Nevada
Li, Wenli; Oswald, Florian - 2015
Persistent link: https://www.econbiz.de/10010502822
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Recourse and residential mortgages : the case of Nevada
Li, Wenli; Oswald, Florian - In: Journal of urban economics 101 (2017), pp. 1-13
Persistent link: https://www.econbiz.de/10011845053
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The Effect of Foreclosure Regulation : Evidence for the US Mortgage Market at State Level
López Vicente, Fernando - 2013
Do laws to protect borrowers curb foreclosures? This question is addressed by analysing the impact of foreclosure laws … on default rates at state level in the US mortgage market. Using panel data techniques, we find a statistically … significant effect of regulation on the different stages of the foreclosure process. More precisely, we analyse the effect of …
Persistent link: https://www.econbiz.de/10013082068
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The Paradox of Judicial Foreclosure : Collateral Value Uncertainty and Mortgage Rates
Harrison, David M. - 2014
to measures of foreclosure process risk including the length of time required to complete foreclosure proceedings within … judicial foreclosure process requirements exert little to no impact on observable mortgage interest rate quotes after …
Persistent link: https://www.econbiz.de/10013051006
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Deficiency judgments as a mortgage pricing factor
Pruszkowski, Tomasz - In: International journal of management and economics 53 (2017) 2, pp. 57-68
The subject of the deficiency judgments has been poorly examined due to a lack of relevant data and the complexity of the issue. Some comprehensive studies have explored whether allowing deficiency judgments decreases the likelihood of strategic defaults in the U. S. mortgage market. Little,...
Persistent link: https://www.econbiz.de/10012026633
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Testing for Fraud in the Residential Mortgage Market : How Much Did Early-Payment-Defaults Overpay for Housing?
Carrillo, Paul E. - 2013
Current explanations for the high rate of default and foreclosure in the U.S. emphasize house price fluctuations and … lax lending criteria. Another explanation for default and foreclosure, which has generally been neglected in the academic … proposed here are important for at least three reasons. First they can document the role of fraud in the mortgage foreclosure …
Persistent link: https://www.econbiz.de/10013081294
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Hierarchical Modeling of Residential Default : Does State Level Foreclosure and Predatory Lending Legislation Limit 'Bad' Loans?
Goodman, Allen C. - 2010
A national loan level data set, aggregated at the zip code is used to examine the elasticity of default relative to … local demographic characteristics and state level legislation regulating foreclosure procedures and predatory lending. We … level. We observe significant variation in the rate of foreclosure across states. Those states imposing higher temporal and …
Persistent link: https://www.econbiz.de/10013152709
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I Promise To Pay
Mitts, Joshua - 2018
to greater delinquency and foreclosure. POAs are uncorrelated with cash flow shocks but reflect reduced promise …
Persistent link: https://www.econbiz.de/10012933616
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The Determinants of Subprime Mortgage Performance Following a Loan Modification
Schmeiser, Maximilian D.; Gross, Matthew B. - Federal Reserve Board (Board of Governors of the … - 2015
-to-value ratios are the single greatest contributor to re-default and foreclosure. However, any modification that reduces total … payment and interest (P&I) reduces the likelihood of subsequent re-default and foreclosure. Modifications that involve …
Persistent link: https://www.econbiz.de/10011273693
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Foreclosure Kids : Examining the Early Adult Credit Usage of Adolescents Affected by Foreclosure
Barca, Alaina; Santucci, Larry; Wilkins, Leigh-Ann - 2022
We investigate the long-term effects of foreclosure-induced relocations on adolescents and their subsequent use of … credit. We ask whether individuals who experience a foreclosure-induced move between the ages of 10 and 17 are more likely to … then compare the credit behavior of individuals who experienced a foreclosure-induced move in adolescence to similar …
Persistent link: https://www.econbiz.de/10013492525