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No Job, No Money, No Refi: Frictions to Refinancing in a Recession

Citations

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Cited by:

  1. Katya Kartashova & Xiaoqing Zhou, 2025. "How Do Mortgage Rate Resets Affect Consumer Spending and Debt Repayment? Evidence from Canadian Consumers," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 57(5), pages 1167-1210, August.
  2. Terry O'Malley, 2021. "The Impact of Repossession Risk on Mortgage Default," Journal of Finance, American Finance Association, vol. 76(2), pages 623-650, April.
  3. Lu Liu, 2023. "The demand for long-term mortgage contracts and the role of collateral," Bank of England working papers 1009, Bank of England.
  4. Nicola Garbarino & Benjamin Guin & Jonathan Lee, 2022. "The Effects of Subsidized Flood Insurance on Real Estate Markets," Bank of England working papers 995, Bank of England.
  5. Devine, Kenneth, 2022. "Refinancing Inertia in the Irish Mortgage Market," Research Technical Papers 5/RT/22, Central Bank of Ireland.
  6. Jiang, Erica Xuewei & Zhang, Anthony Lee, 2025. "Collateral value uncertainty and mortgage credit provision," Journal of Financial Economics, Elsevier, vol. 169(C).
  7. David Berger & Konstantin Milbradt & Fabrice Tourre & Joseph Vavra, 2021. "Mortgage Prepayment and Path-Dependent Effects of Monetary Policy," American Economic Review, American Economic Association, vol. 111(9), pages 2829-2878, September.
  8. Martin Eichenbaum & Sergio Rebelo & Arlene Wong, 2022. "State-Dependent Effects of Monetary Policy: The Refinancing Channel," American Economic Review, American Economic Association, vol. 112(3), pages 721-761, March.
  9. Rohan Ganduri & Steven Chong Xiao & Serena Wenjing Xiao, 2023. "Tracing the source of liquidity for distressed housing markets," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 51(2), pages 408-440, March.
  10. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
  11. Kelly, Jane & Myers, Samantha, 2019. "Fixed-rate mortgages: building resilience or generating risk?," Financial Stability Notes 5/FS/19, Central Bank of Ireland.
  12. Jason Allen & Robert Clark & Shaoteng Li & Nicolas Vincent, 2022. "Debt‐relief programs and money left on the table: Evidence from Canada's response to COVID‐19," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 55(S1), pages 9-53, February.
  13. Huaizhi Chen & Lauren Cohen & Weiling Liu, 2025. "Calling All Issuers: The Market for Debt Monitoring," Management Science, INFORMS, vol. 71(8), pages 6367-6391, August.
  14. Jiri Gregor & Jan Janku, 2026. "Chasing Lower Rates: How Households Balance Refinancing Incentives and Debt Constraints," Working Papers 2026/01, Czech National Bank, Research and Statistics Department.
  15. W. Scott Frame & Kristopher Gerardi & Erik J. Mayer & Billy Xu & Lawrence Zhao, 2024. "Government Litigation Risk and the Decline in Low-Income Mortgage Lending," FRB Atlanta Working Paper 2024-6, Federal Reserve Bank of Atlanta.
  16. Gene Amromin & Jane Dokko & Karen E. Dynan, 2020. "Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue 443, pages 1-9, June.
  17. John Y. Campbell & Nuno Clara & João F. Cocco, 2021. "Structuring Mortgages for Macroeconomic Stability," Journal of Finance, American Finance Association, vol. 76(5), pages 2525-2576, October.
  18. Fisher, Jack & Gavazza, Alessandro & Liu, Lu & Ramadorai, Tarun & Tripathy, Jagdish, 2024. "Refinancing cross-subsidies in the mortgage market," Journal of Financial Economics, Elsevier, vol. 158(C).
  19. Julia Fonseca & Lu Liu, 2024. "Mortgage Lock‐In, Mobility, and Labor Reallocation," Journal of Finance, American Finance Association, vol. 79(6), pages 3729-3772, December.
  20. Linda Sandris Larsen & Claus Munk & Rikke Sejer Nielsen & Jesper Rangvid, 2024. "How Do Interest-Only Mortgages Affect Consumption and Saving over the Life Cycle?," Management Science, INFORMS, vol. 70(3), pages 1970-1991, March.
  21. Matteo Benetton & Philippe Bracke & João F Cocco & Nicola Garbarinoifo, 2022. "Housing Consumption and Investment: Evidence from Shared Equity Mortgages," The Review of Financial Studies, Society for Financial Studies, vol. 35(8), pages 3525-3573.
  22. Benetton, Matteo & Kudlyak, Marianna & ,, 2022. "Dynastic Home Equity," CEPR Discussion Papers 17464, Centre for Economic Policy Research.
  23. Hakan Yilmazkuday, 2023. "COVID-19 and housing prices: evidence from U.S. county-level data," Review of Regional Research: Jahrbuch für Regionalwissenschaft, Springer;Gesellschaft für Regionalforschung (GfR), vol. 43(2), pages 241-263, August.
  24. Koyama, Kentaro & Takeda, Sumihiro, 2023. "Currency basis term structure, cross-border investment flow, and central bank currency swap agreement," International Review of Economics & Finance, Elsevier, vol. 83(C), pages 470-482.
  25. Phoebe Tian & Chen Zheng, 2024. "Unintended Consequences of the Home Affordable Refinance Program," Staff Working Papers 24-11, Bank of Canada.
  26. Agnes Kovacs & Patrick Moran, 2019. "Temptation and commitment: understanding the demand for illiquidity," IFS Working Papers W19/18, Institute for Fiscal Studies.
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