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- W4313253284 abstract "Early in the COVID-19 pandemic, policymakers initiated a forbearance program—that allowed borrowers to pause their mortgage payments—to prevent a large-scale foreclosure crisis. Using detailed loan-level performance data, we study forbearance take-up and subsequent performance among two distinct group of mortgage borrowers: single borrowers versus coborrowers. We provide stylized facts that compared to coborrowers, single borrowers have lower incomes, lower credit scores, higher loan-to-value ratios and higher debt-to-income ratios and are hence more financially vulnerable. We find that single borrowers are more apt to elect forbearance, all else constant. We further find that forbearance had a stronger positive effect on helping single borrowers avoid or recover and exit delinquency than coborrowers." @default.
- W4313253284 created "2023-01-06" @default.
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- W4313253284 date "2023-03-01" @default.
- W4313253284 modified "2023-10-18" @default.
- W4313253284 title "Single borrowers versus coborrowers in the pandemic: Mortgage forbearance take-up and performance" @default.
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- W4313253284 doi "https://doi.org/10.1016/j.jhe.2022.101909" @default.
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