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Advanced Search Results For "MORTGAGES"

1 - 10 of 282,532 results for
 "MORTGAGES"
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Housing Consumption and Investment: Evidence from Shared Equity Mortgages.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Aug2022, Vol. 35 Issue 8, p3525-3573. 49p.

Abstract:We exploit a U.K. government-sponsored product and provide evidence on shared equity mortgages. The analysis shows how the interaction of house price growth and leverage regulation promotes product adoption. Following an increase in the equity limit, h...

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Mortgage Finance and Climate Change: Securitization Dynamics in the Aftermath of Natural Disasters.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Aug2022, Vol. 35 Issue 8, p3617-3665. 49p.

Abstract:Using the government-sponsored enterprises' sharp securitization rules, this paper provides evidence that, in the aftermath of natural disasters, lenders are more likely to approve mortgages that can be securitized, thereby transferring climate risk. T...

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Real Effects of Secondary Market Trading Structure: Evidence from the Mortgage Market.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Aug2022, Vol. 35 Issue 8, p3574-3616. 43p.

Abstract:By allowing different agency mortgage-backed securities (MBS) to be traded based on limited characteristics, the to-be-announced (TBA) market generates liquidity and benefits the MBS market broadly. We quantify effects of the TBA structure on mortgage ...

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Selection, Leverage, and Default in the Mortgage Market.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Feb2022, Vol. 35 Issue 2, p720-770. 51p.

Abstract:We ask whether the correlation between mortgage leverage and default is due to moral hazard (the causal effect of leverage) or adverse selection (ex ante risky borrowers choosing larger loans). We separate these information asymmetries using a natural ...

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PROTECT YOUR RETIREMENT INCOME FROM INFLATION.

Publication Type:Periodical

Source(s):Kiplinger's Personal Finance. Oct2022, Vol. 76 Issue 10, p50-59. 10p. 5 Color Photographs, 7 Graphs.

Abstract:The illustrations "use conservative assumptions that are likely to understate the amount of income that will be available to many participants in retirement", UBS Financial Services said in a July investment report. Top sources of stable income for cur...

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Moral Hazard during the Housing Boom: Evidence from Private Mortgage Insurance.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Feb2022, Vol. 35 Issue 2, p771-813. 43p.

Abstract:We provide novel evidence of misaligned incentives fueling a portion of the 2000s mortgage boom. We document that private mortgage insurance (PMI) companies expanded insurance issuance on high-risk mortgages purchased by Fannie Mae and Freddie Mac at t...

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Regressive Mortgage Credit Redistribution in the Post-Crisis Era.

Publication Type:Academic Journal

Source(s):Review of Financial Studies. Jan2022, Vol. 35 Issue 1, p482-525. 44p.

Abstract:We document four secular trends about U.S. mortgage origination by traditional and FinTech lenders after the 2008-2009 financial crisis. First, since 2011, the overall number, size, and approval rate of small and medium-sized loans have been decreasing...

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Risk Identification and Application of Farmland Management Right Mortgage Loan Based on Neural Network.

Publication Type:Academic Journal

Source(s):Wireless Communications & Mobile Computing. 5/4/2022, p1-12. 12p.

Abstract:There are a series of problems in China, such as low farmers' income, difficulty in financing for farmers, and relatively lag in rural financial reform. The mortgage financing of farmland management rights is one of the important ways to solve these th...

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Does Giving CRA Credit for Loan Purchases Increase Mortgage Credit in Low-to-Moderate Income Communities?

Publication Type:Report

Source(s):Working Papers -- U.S. Federal Reserve Board's Finance & Economic Discussion Series. Jul2022, preceding p1-62. 64p.

Abstract:Under the Community Reinvestment Act (CRA) banks can fulfill their affirmative obligation to meet local credit needs by lending in low-to-moderate-income (LMI) communities or by purchasing loans made by others. This paper evaluates whether giving CRA c...

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Walking the walk? Bank ESG disclosures and home mortgage lending.

Publication Type:Academic Journal

Source(s):Review of Accounting Studies. Sep2022, Vol. 27 Issue 3, p779-821. 43p. 11 Charts, 3 Graphs, 2 Maps.

Abstract:We show that banks with high environmental, social, and governance (ESG) ratings issue fewer mortgages in poor localities—in number and dollar amount—than banks with low ESG ratings. This lending disparity happens at both the county and census tract le...

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