Digitalization is promising to expand opportunities for traditionally disadvantaged individuals and communities in the housing market. Digital platforms, such as Zillow and…
This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
BABC 04-12: Credit scoring has helped to produce a robust credit environment and increase access to homeownership for millions of consumers. This paper examines the role…