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Evidence on the effect of credit counseling on mortgage loan default by low-income households

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  • Hartarska, Valentina
  • Gonzalez-Vega, Claudio
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    File URL: http://www.sciencedirect.com/science/article/B6WJR-4JKRTPW-2/2/4da8b48fe985e3e995a7e9dc71ed7b74
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    Bibliographic Info

    Article provided by Elsevier in its journal Journal of Housing Economics.

    Volume (Year): 15 (2006)
    Issue (Month): 1 (March)
    Pages: 63-79

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    Handle: RePEc:eee:jhouse:v:15:y:2006:i:1:p:63-79

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    Web page: http://www.elsevier.com/locate/inca/622881

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    References

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    1. Peter Linneman & Susan Wachter, 1989. "The Impacts of Borrowing Constraints on Homeownership," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 17(4), pages 389-402.
    2. Michael E. Staten & Gregory Elliehausen & E. Christopher Lundquist, 2003. "The impact of credit counseling on subsequent borrower credit usage and payment behavior," Proceedings 881, Federal Reserve Bank of Chicago.
    3. Chaves, Rodrigo A. & Gonzalez-Vega, Claudio, 1996. "The design of successful rural financial intermediaries: Evidence from Indonesia," World Development, Elsevier, vol. 24(1), pages 65-78, January.
    4. Brent W. Ambrose & Charles A. Capone, . "The Hazard Rates of First and Second Default," Zell/Lurie Center Working Papers 301, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
    5. Robert Order & Peter Zorn, 2000. "Income, Location and Default: Some Implications for Community Lending," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 28(3), pages 385-404.
    6. King, Robert G. & Wolman, Alexander L., 2004. "Monetary discretion, pricing complementarity and dynamic multiple equilibria," Working Paper Series 0343, European Central Bank.
    7. Yongheng Deng & John M. Quigley & Robert Van Order, 1995. "Mortgage Default and Low Downpayment Loans: The Costs of Public Subsidy," NBER Working Papers 5184, National Bureau of Economic Research, Inc.
    8. Kau, James B, et al, 1995. "The Valuation at Origination of Fixed-Rate Mortgages with Default and Prepayment," The Journal of Real Estate Finance and Economics, Springer, vol. 11(1), pages 5-36, July.
    9. John M. Quigley., 1993. "Explicit Tests of Contingent Claims Models of Mortgage Defaults," Economics Working Papers 93-221, University of California at Berkeley.
    10. Kau, James B, et al, 1992. "A Generalized Valuation Model for Fixed-Rate Residential Mortgages," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 24(3), pages 279-99, August.
    11. Beatriz Armendáriz de Aghion & Jonathan Morduch, 2000. "Microfinance Beyond Group Lending," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 8(2), pages 401-420, July.
    12. Yongheng Deng & John M. Quigley & Robert Van Order, . "Mortgage Terminations, Heterogeneity and the Exercise of Mortgage Options," Zell/Lurie Center Working Papers 322, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
    13. Edwin S. Mills & Luan Sende Lubuele, 1994. "Performance of residential mortgages in low- and moderate-income neighborhoods," Proceedings, Federal Reserve Bank of Philadelphia, pages 245-262.
    14. Pavlov, Andrey D, 2001. "Competing Risks of Mortgage Termination: Who Refinances, Who Moves, and Who Defaults?," The Journal of Real Estate Finance and Economics, Springer, vol. 23(2), pages 185-211, September.
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    Cited by:
    1. Matthew Martin, 2007. "A literature review on the effectiveness of financial education," Working Paper 07-03, Federal Reserve Bank of Richmond.
    2. Mewse, Avril J. & Lea, Stephen E.G. & Wrapson, Wendy, 2010. "First steps out of debt: Attitudes and social identity as predictors of contact by debtors with creditors," Journal of Economic Psychology, Elsevier, vol. 31(6), pages 1021-1034, December.
    3. Meier, Stephan & Sprenger, Charles D., 2013. "Discounting financial literacy: Time preferences and participation in financial education programs," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 159-174.
    4. Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.

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