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UCC08-12: Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s…

BABC 04-15: Low- and moderate-income households save for routine payments, such as rent, as well as for major purchases, such as a washing machine or a car. Saving also…

This paper is the first to give a detailed account of the variation of behavior across a large set of U.S. locations. Aside from a few articles that use simple variables to…

W00-5: The stock of residential units in the United States is constantly changing as units are added, demolished, or converted. This paper looks at the conversion of…