of roommates. Coupledom, however, appears stable. Homeownership at age thirty shows a precipitous drop following the …

, we document the association between house prices and homeownership at age thirty. We then use synthetic cohort methods to …

Home appraisals are produced for millions of residential mortgage transactions each year, but appraised values are … institutional framework that governs mortgage lending lead to information loss in appraisals (that is, appraisals set equal to the … incidence of mortgage default at loan-to-value boundaries (notches) above which mortgage insurance rates increase. Appraisals …

An oft-touted benefit of homeownership is the ability to build and access equity, and in recent years the amount of … mortgage equity withdrawal (MEW) loan products were denied. Black and Hispanic homeowners' applications were denied at even … with purchase and rate/term refinance mortgage applications. Controlling for loan and borrower characteristics commonly …

, since most housing is not simply financed out of current cash holdings but by mortgages, the institutions on mortgage … population) as well in mortgage markets have led to a structural break in the effect of housing wealth on consumption in the mid …

, since most housing is not simply financed out of current cash holdings but by mortgages, the institutions on mortgage … population) as well as in mortgage markets have led to a structural break in the effect of housing wealth on consumption in the …