This paper examines the impact of refinancing on mortgage defaults based on an empirical
investigation of the Home Affordable Refinance Program (HARP). We study a unique dataset …

This article evaluates the effect of payment reduction on mortgage default within the context
of the Home Affordable Refinance Program. We find that mortgage default is sensitive to …

Automated valuation models (AVMs) are increasingly being used as a substitute for home
appraisals in mortgage origination. This paper examines whether there are differences in the …

The COVID-19 pandemic has caused a substantial increase in house price growth and its
seasonal amplitude. This change has presented challenges to traditional seasonal adjustment …

This paper examines the potential market impacts of continuous forbearance mortgages (CFM).
This mortgage design embeds an insurance contract at origination that reduces the …

Seasonal Adjustment in House Price Indices in the COVID-19 Period: A Study of Residual
Seasonality (preprint) | ssrn; 2023. | PREPRINT-SSRN Conteúdo principal 1 Busca 2 Rodapé …

This paper examines default outcomes for subprime first lien loans during the recent subprime
mortgage boom. It conducts this investigation in two phases. The paper first examines …

Proper compensation during foreclosure is essential to any effort to protect borrowers as
consumers. However, the effectiveness of consumer protection and other safety nets during …

The precision of appraisals used to refinance mortgages is particularly difficult to evaluate
because there are no sales prices to serve as a basis for comparison. This paper estimates …

We establish the importance of government corruption and youth literacy for their effects on
Youth Reproductive Health (YRH), with particularly strong effects on adolescent girls, in sub-…