Insights, Notes & Briefs
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Research Brief | May 6, 2022
Homebuyers in Coastal Florida Are Not Factoring Sea Level Rise Risk into Home Prices
Our analysis showed that home prices in coastal Florida may not be taking into account the future risk of rising sea levels. More
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Research Note | April 25, 2022
Trends in Mortgage Refinancing Activity
This Research Note covers recent developments in the U.S. mortgage market. We review trends in mortgage refinancing activity, including a detailed look at payment savings and equity extraction through cash-out refinances. We also examine recent trends in mortgage origination discount points and fees and close with a discussion of heterogeneity in the mortgage market. More
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Research Note | March 16, 2022
Sea Level Rise and Impact on Home Prices in Coastal Florida
In this Research Note, we assess whether primary homebuyers and residential market investors in coastal Florida consider the future risk of rising sea levels when making a home purchase decision and whether they pay less for homes they deem at risk. More
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Research Note | October 29, 2021
Refinance Trends in the First Half of 2021
In the first half of 2021, homeowners continued to take advantage of the low mortgage rates and increased home equity to refinance their properties, reducing their monthly payments and extracting equity through cash-out refinances. More
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Research Note | September 20, 2021
Racial and Ethnic Valuation Gaps In Home Purchase Appraisals
To follow up on several stories of potential appraisal bias in various news outlets, Freddie Mac kicked off a study of whether minorities are more likely to receive an appraisal value that is lower than the contract price during purchase transactions. More
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Research Note | August 26, 2021
The Growth of Sole-person Households: Creating Even More Demand for Smaller, More Affordable Homes
One of the key changes in household composition is the increase in sole-person households. In the past 40 years, sole-person households have almost doubled in the United States. More