A mortgage is an exchange of a collection of rights between a borrower and a lender. In this article, we describe those … medieval origins of the American mortgage contract and its evolution into its present form. We then turn to topics relevant for …-of-sale foreclosure; deficiency judgments and recourse; assignments; the Mortgage Electronic Registration System; and methods for avoiding …

phasing out gradually deferred-amortization mortgage loans and introducing risk-adjusted deposit insurance premia. …

credit during the financial crisis in the United States. We focus on mortgage lending to minimize the impact of confounding … credit. The disaggregated data on mortgage applications that we use allows us to study the time variations in banksâ …€™ decisions to grant mortgage loans, while controlling for bank, borrower, and regional characteristics. The wealth of data also …

which is between the house price cycles before the time of mortgage origination and LGD. The empirical analysis is based on … a large loan-level sub-prime residential mortgage loss dataset from 1998 to 2009. Results show that house price history …

past two decades. It finds that (i) mortgage markets have experienced rapid development, which has led to lower private per …

Using detailed information on lobbying and mortgage lending activities, we find that lenders lobbying more on issues … related to mortgage lending (i) had higher loan-to-income ratios, (ii) securitized more intensively, and (iii) had faster … issues unrelated to mortgage lending, (ii) a difference-in-difference approach based on state-level laws, and (iii …

An explanation of the Great Depression based on mortgage debt via the banking channel has been downplayed due to the … conservatism of mortgage contracts at the time. Indeed, maturities were particularly short compared to today's average terms … a newly-compiled dataset from 1934, this paper uncovers the darker side of 1920s U.S. mortgage lending: the so …

. Three common land tenure contracts in this region are fixed rental, sharecropping, and mortgage. Sharecropping and mortgage …

This paper examines mortgage outcomes for a large, representative sample of individual home purchases and refinances …