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From time to time, Housing Perspectives features posts by guest bloggers. Today’s post was written by Patricia McCoy, Liberty Mutual Insurance Professor, Boston College…

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…

HBTL-01: From 2007 through 2011, the United States housing market suffered from a severe imbalance in supply and demand. On the supply side, there were too many homes…

MF10-6: Since mid-2007, the federal government has devoted enormous sums of money and effort to foreclosure prevention. Washington’s approach to rising foreclosures has…

MF10-3: The recent tumult experienced by residential mortgage markets in the United States has left many struggling to determine what caused the crisis; what can be done…

W09-4: This paper uses data on house transactions in the state of Massachusetts over the last 20 years to show that houses sold after foreclosure, or close in time to…

UCC08-5: In this chapter, we provide a critical analysis of the legal landscape of residential mortgage lending and explain how federal law abdicated regulation of the…

UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…

BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…