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The Market for Home Mortgage Credit: Recent Changes and Future Prospects

  • Patric H. Hendershott

Three major changes occurred during the 1980s in the market for home mortgage credit; the securitization of fixed-rate mortgages, the development of a national primary market for adjustable-rate mortgages, and the decimation of the saving and loan industry. These changes and their impacts on various financial industries and homebuyers are the subjects of this paper. I also briefly speculate about likely future changes in this market.

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File URL: http://www.nber.org/papers/w3548.pdf
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Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 3548.

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Date of creation: Dec 1990
Date of revision:
Publication status: published as Gilbert, ed., Recent Changes in the Market for Financial Services, Economic Policy Conference, FRB of St. Louis, 1992, pp.99-123
Handle: RePEc:nbr:nberwo:3548
Note: ME
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