Jennifer Molinsky, Samara Scheckler, Bailey Hu
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May 22, 2023
As digital technology transforms housing markets, production, finance, and energy efficiency, it also has the potential to reshape the residential experience. Domestic…
Marsha Courchane, Leonard Kiefer, Peter Zorn
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November 12, 2013
HBTL-11: Responses to the mortgage market crisis of the past decade led to myriad changes in the structure of the industry, expanded market regulations, and resulted in…
MF10-11: Consumer transactions of all kinds are heavily regulated in the US (and all other developed capitalist countries) but debates on regulation in the US are…
BABC 04-22: Debtor protection rules ought to influence debtor/creditor interaction at three points: postdefault pre-foreclosure negotiations, the rate of default, and…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…