BABC 04-6: This paper examines home purchase mortgage choice employing data from 2002. Conventional, FHA, subprime, and special programs for low-to-moderate income…
Raphael Bostic, Paul Calem, Susan Wachter
•
February 5, 2004
BABC 04-5: There is a broad consensus regarding the benefits of homeownership, which include wealth accumulation and improvements along social and personal dimensions.…
Ellen Seidman, Jennifer Tescher
•
February 4, 2004
BABC 04-4: The paper argues that five factors have contributed to narrowing the gap between supply and demand: technological advances that lower costs and expand…
BABC 04-3: Recently there has been a surge of interest in the market potential for mainstream financial service firms to serve unbanked and marginally banked consumers.…
Richard Wiener, Karen Gross, Susan Block-Lieb, Corinne Baron-Donovan
•
February 2, 2004
BABC 04-2: This paper used a psycho legal methodology, which combined empirical research with legal scholarship to study debtors in bankruptcy comparing them to a sample…
BABC 04-1: This paper examines the nexus between the utilization of basic financial services, ownership of a transaction account, the creation and use of credit records…
W04-1: A decade ago, million-dollar houses were uncommon. This is no longer true. Houses worth one million dollars or more are a fast growing segment of housing markets…
W03-8: This paper explores the importance of housing wealth in three ways. First, it looks at housing wealth as a share of household net wealth. Figures from 2001 reveal…
Zhu Xiao Di, Yi Yang, Xiaodong Liu
•
November 30, 2003
W03-5: Housing is the cornerstone of household wealth, especially for low-income households. With the growth in the U.S. homeownership rate, housing wealth is important…
W03-4: Across America, the use of the Internet as both a communication medium and a transportation medium is beginning to alter basic perceptions of living. For a…