An oft-touted benefit of homeownership is the ability to build and access equity, and in recent years the amount of … mortgage equity withdrawal (MEW) loan products were denied. Black and Hispanic homeowners' applications were denied at even … with purchase and rate/term refinance mortgage applications. Controlling for loan and borrower characteristics commonly …

time-to-sell determines the mortgage standards of competitive lenders, measured by the maximum loan-to-value (LTV) ratio …

homeownership. In this paper we use property-level data to estimate the effect of government mortgage guarantees on homeownership … government guarantees, but find no robust effect on homeownership. This finding suggests that government guarantees could be … considerably reduced with modest effects on homeownership, which is relevant for housing finance reform plans that propose to …

mortgage crisis, which, in contrast to the preceding housing boom, was not accompanied by a rise in homeownership rates. Using … declines in the homeownership rates …

borrowing and lending in the future, but technology has been reshaping consumer and mortgage lending for many years. During the … 1990s, computerization allowed mortgage lenders to reduce loanprocessing times and largely replace human-based assessments … housing boom was an endogenous response to widespread expectations of higher future house prices, as average mortgage sizes …