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Working Papers

Mortgage Credit and the Evolution of Risk-Based Pricing

Frank Raiter, Francis Parisi • February 23, 2004

BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
Working Papers

Young American Adults Living in Parental Homes

Zhu Xiao Di, Yi Yang, Xiaodong Liu • May 15, 2002

W02-3: This paper reviews the literature of young adults (ages 25-34) living in parental homes in regard to gender difference, racial difference, family structure…
Working Papers

Home Price Appreciation in Low- and Moderate-Income Markets

Karl Case, Maryna Marynchenko • October 7, 2001

At the turn of the millennium, fully two-thirds of American households were owner-occupants. In addition, through the middle of the year in 2000, real home prices were rising…