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Another Look at the Role of Borrower Characteristics
The Role of Occupational Achievement in Homeownership
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adequacy American analysis Angeles Asian attainment balance Born borrower changes characteristics choice City Coefficient cohort compared costs default determinants Development differences DIMs economic effect empirical enterprise zone equation equity estimated ethnic Figure Finance foreign-born groups growth higher Hispanic homeownership House Price households housing market immigrants impact income increases Index indicators inflation initial interest James John Journal less limited loan lower mean measures metropolitan areas Mortgage move native native-born negative neighborhood Note occupational option originated patterns payment percent period places Policy population prepayment presented probability programs Racial ratio Real Real Estate reference region regression relative rent control rental sample sector significant simulation socioeconomic specification Standard statistically status structural suggests Survey Table term uncontrolled units University Urban variables Washington wealth whites York