Modeling context in FHA Mortgage Terminations: The impact of local violence, natural disasters, and climate on individual loan behavior

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Brief Overview

Leveraging econometric methods and a novel dataset, we seek to better understand individual loan behavior and decision making considering exogenous, neighborhood-level stressors - crime, natural disasters, and temperature fluctuations.

Authors

• Stephanie Hawke, HUD

• Wenzhen Lin, HUD