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Real Estate Economics articles from September 2005
This journal publishes articles on real estate related topics, including covering homes loans and economic reports for developers, builders, finance companies or homeowners.
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Real Estate Economics archives from September 2005
The effect of housing government-sponsored enterprises on mortgage rates.
September 22, 2005... We derive a theoretical model of how jumbo and conforming mortgage rates are determined and how the jumbo-conforming spread might arise. We show that mortgage rates reflect the cost of funding mortgages and that this cost of funding can drive a...
The GSE implicit subsidy and the value of government ambiguity.(government sponsored enterprises )
September 22, 2005... The housing-related government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac have an ambiguous relationship with the federal government. Most purchasers of the GSEs' debt securities believe that this debt is implicitly backed by the...
Gracing the land of Elvis and Beale street: historic designation and property values in Memphis.
September 22, 2005... We analyze appreciation rates across comparable designated and undesignated neighborhoods in Memphis, Tennessee. Using appreciation rates potentially nullifies the objection to using assessed values in such an analysis while also mitigating...
Appraisal, agency and atypicality: evidence from manufactured homes.
September 22, 2005... The appraisal of the "market value" of homes serving as the collateral for mortgages is a fundamental part of the underwriting process. If a loan should default, however, it is not the retail market value that the lender obtains, but rather the...
The other side of Eight Mile: suburban population and housing supply.
September 22, 2005... This article establishes a linkage between decadal changes in suburban population and the supply of suburban dwelling units. It then estimates an econometric supply-and-demand model for 317 U.S. suburban areas for the 1970s, 1980s and 1990s...
Why do we have urban density controls?
September 22, 2005... Almost all urban land use controls reduce permitted densities. This article analyzes restrictions on residential densities in a conventional model of density-distance functions. Density controls force development to extend farther than in...