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Association Between Extreme Heat and Externalizing Symptoms in Pre- and Early Adolescence: Findings From the ABCD Study. [PDF]
JAACAP OpenBriker S +5 more
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Effects of housing stability and contemporary mortgage lending bias on breast cancer stage at diagnosis among older women in the United States. [PDF]
Cancer MedRademacher N +7 more
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What role does wealth play in the racial health gap in the United States? Examining differences among African Americans, Latinos, and non-Hispanic Whites. [PDF]
SSM Popul HealthLópez-Cevallos DF, Rothwell DW.
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Understanding Subprime Mortgage Default
Journal of Real Estate Literature, 2019Abstract The explosive growth of subprime mortgage originations in the early 2000s coincided with the initial formation, and subsequent collapse, of the residential housing bubble.
Tim Jones, G. Stacy Sirmans
exaly +2 more sources
Understanding the Subprime Mortgage Crisis [PDF]
Review of Financial Studies, 2008 Using loan-level data, we analyze the quality of subprime mortgage loans by adjusting their performance for differences in borrower characteristics, loan characteristics, and macroeconomic conditions. We find that the quality of loans deteriorated for six consecutive years before the crisis and that securitizers were, to some extent, aware of it.
Yuliya Demyanyk, Otto Van Hemert
openaire +2 more sources
Journal of Urban Economics, 2010
Abstract This paper constructs a reduced-form credit risk model of mortgage default. The data used is of privately-securitized subprime ARMs (adjustable rate mortgages), originated between 1997 and 2008, and observed between 2000 and 2009. The period studied thus encompasses the beginning of the subprime crisis. Given the estimated model, contractual
James B. Kau +3 more
openaire +1 more source
Abstract This paper constructs a reduced-form credit risk model of mortgage default. The data used is of privately-securitized subprime ARMs (adjustable rate mortgages), originated between 1997 and 2008, and observed between 2000 and 2009. The period studied thus encompasses the beginning of the subprime crisis. Given the estimated model, contractual
James B. Kau +3 more
openaire +1 more source
Journal of Banking & Finance, 2011
This paper offers evidence on the design of subprime mortgages as bridge-financing products. We show that the viability of subprime mortgages was uniquely predicated on the appreciation of house prices over short-horizons. High rates of early prepayments on subprime mortgages are suggestive of the use of prepayments as an exit option. This paper argues
Geetesh Bhardwaj, Rajdeep Sengupta
openaire +1 more source
This paper offers evidence on the design of subprime mortgages as bridge-financing products. We show that the viability of subprime mortgages was uniquely predicated on the appreciation of house prices over short-horizons. High rates of early prepayments on subprime mortgages are suggestive of the use of prepayments as an exit option. This paper argues
Geetesh Bhardwaj, Rajdeep Sengupta
openaire +1 more source
2011
A subprime mortgage loan is a residential mortgage loan that is particularly risky for some reason. The elevated risk may stem from the credit history of the borrower, the lack of a large down payment, or a monthly payment that is large relative to the borrower’s income (see Chapter 2 of Muolo and Padilla (2010) for a history of subprime residential ...
Christopher L. Foote, Paul S. Willen
openaire +1 more source
A subprime mortgage loan is a residential mortgage loan that is particularly risky for some reason. The elevated risk may stem from the credit history of the borrower, the lack of a large down payment, or a monthly payment that is large relative to the borrower’s income (see Chapter 2 of Muolo and Padilla (2010) for a history of subprime residential ...
Christopher L. Foote, Paul S. Willen
openaire +1 more source