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FHA Mortgage Discount Points, House Prices and Consumer Behavior

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  • Karl L. Guntermann

Abstract

The allocation of FHA discount points between buyers and sellers has recently been the subject of empirical investigation. The research reported here examines this relationship in more detail. Regression equations were estimated for separate price categories of housing using dummy variables for the number of discount points being charged. Separate equations were also estimated for periods when points were rising and when they were falling. The results essentially are that sellers attempt to shift all of the discount points to buyers and frequently are successful. However, in certain situations the points are shared between buyers and seller.

Suggested Citation

  • Karl L. Guntermann, 1979. "FHA Mortgage Discount Points, House Prices and Consumer Behavior," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 7(2), pages 163-176, June.
    • Handle: RePEc:bla:reesec:v:7:y:1979:i:2:p:163-176
    DOI: 10.1111/1540-6229.t01-1-00201
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    Cited by:

    1. Joy T. Black & Julian Diaz, III & Marvin L. Wolverton, 1997. "Examination of the Effect of Buyer Agency on the Distribution of Closing Costs," Journal of Real Estate Research, American Real Estate Society, vol. 14(1), pages 43-54.
    2. Darren K. Hayunga, 2018. "Sales Concessions in the US Housing Market," The Journal of Real Estate Finance and Economics, Springer, vol. 56(1), pages 33-75, January.
    3. James E. Larsen, 1989. "Money Illusion and Residential Real Estate Transfers," Journal of Real Estate Research, American Real Estate Society, vol. 4(1), pages 13-19.

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