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Estimated Impact of the Federal Reserve’s Mortgage-Backed Securities Purchase Program
Purchase Program Mortgage-Backed
2015/8/3
The largest credit or liquidity program created by the
Federal Reserve during the financial crisis was the mortgagebacked
securities (MBS) purchase program. In this paper, we
examine the quantitati...
Do people respond to tax incentives? An analysis of the Italian reform of the deductibility of home mortgage interests
Tax incentives Mortgage market
2015/7/23
Before 1992 mortgage interests in Italy were fully tax deductible up to 3500 Euro (7000 for two
cosigners). In 1992–1994 the government implemented a series of tax reforms whose ultimate effect
was ...
Diagnosing Consumer Confusion and Sub-Optimal Shopping Effort:Theory and Mortgage-Market Evidence
Diagnosing Consumer Confusion Sub-Optimal Shopping Theory and Mortgage-Market
2015/7/20
Mortgage loans are leading examples of transactions where experts on one side of the market take advantage of consumers’ lack of knowledge and experience. We study the compensation that borrowers pay ...
Market Power in Mortgage Lending and the Transmission of Monetary Policy
Mortgages Banking Industry United States
2015/5/12
We present evidence that high concentration in mortgage lending reduces the sensitivity of mortgage rates and refinancing activity to mortgage-backed security (MBS) yields. We isolate the direct effec...
Housing Collateral,Credit Constraints and Entrepreneurship—Evidence from a Mortgage Reform
Entrepreneurship Mortgages
2015/4/28
We study how a mortgage reform that exogenously increased access to credit had an impact on entrepreneurship, using individual-level micro data from Denmark. The reform allows us to disentangle the ro...
An exploratory analysis of payoffs for the lifetime mortgage of farming assets and its policy implications
Farming-Asset Pension (FAP) reverse mortgage,
2014/10/11
This study discusses and calibrates a pioneered model of estimating the payoffs for the farming-asset pension (FAP), which is to comprehensively integrate the components of farming assets into the rec...
Commercial real estate mortgage maturities slow, offering short window for lenders and borrowers to deal
real estate loans real estate business real estate mortgages
2011/9/14
The article offers information on the business conditions and movements in the commercial real estate and construction industry in the U.S. It states that 11% of commercial real estate mortgages or eq...
The use of credit scoring in the mortgage industry
BASEL II credit risk credit scoring Mortgage scoring scorecard
2011/9/2
In times of increased focus on risk management, acquiring or growing comparaatively low risk mortgage portfolios has become an attractive value proposition. Banks that pursue an aggressive growth stra...
Qualifying for a Home Mortgage in Today's Mortgage Environment
Home Mortgage Mortgage Environment financial publications
2011/8/20
This research study surveyed current financial publications and mortgage loan officers in order to examine the mortgage loan qualification standards currently in place by lending institutions in respo...
Regulatory Regime Change in the Swedish Residential Mortgage Market
Regulatory Regime Change Swedish Residential Mortgage Market
2010/10/11
In this essay, I analyze the Swedish residential mortgage market regulations during the post–World War II era, with an emphasis on the regulatory regime change of the mid-1980s. The most
significant ...
The Mortgage Investment Association of British Columbia was formed in 1917 to represent mortgage lenders in dealing with government and the public in addressing issues of common concern. Our 200 corpo...