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- W3125601396 abstract "Fixed-rate mortgages (FRMs) dominate the U.S. mortgage market, with important consequences for monetary policy, household risk management, and financial stability. In this paper, we show that the share of FRMs is sharply lower when mortgages are difficult to securitize. Our analysis exploits plausibly exogenous variation in access to liquid securitization markets generated by a regulatory cutoff and time variation in private securitization activity. We interpret our findings as evidence that lenders are reluctant to retain the prepayment and interest rate risk embedded in FRMs. The form of securitization (private versus government-backed) has little effect on FRM supply during periods when private securitization markets are well-functioning." @default.
- W3125601396 created "2021-02-01" @default.
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- W3125601396 date "2014-06-01" @default.
- W3125601396 modified "2023-09-27" @default.
- W3125601396 title "Securitization and the fixed-rate mortgage" @default.
- W3125601396 hasPublicationYear "2014" @default.
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