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Sebastian Tilson

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Articles by Sebastian Tilson

Owner‐occupancy fraud and mortgage performance

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By Ronel Elul, Aaron Payne Verified, Sebastian Tilson
| Wiley Online Library Verified
Supporting Information Filename Description reec12455-sup-0001-Appendix.pdf322.3 KB Online Appendix REFERENCES (1981). Qualitative response models: A survey. Journal of Economic Literature, 19(4), 1483–1536. (2011). Financial constraints and inflated home prices during the real estate boom. American Economic Journal: Applied Economics, 3(3), 55–87. , , , & (2019). Regional heterogeneity and the refinancing channel of monetary policy. Quarterly Journal of Economics, 134(1), 109–182. , , & (2017).
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Owner-Occupancy Fraud and Mortgage Performance

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By Ronel Elul, Aaron Payne, Sebastian Tilson
| philadelphiafed.org
Supersedes Working Paper 19-53/R –Owner-Occupancy Fraud and Mortage Performance We identify occupancy fraud — borrowers who misrepresent their occupancy status as owner-occupants rather than investors — in residential mortgage originations. Unlike previous work, we show that fraud was prevalent in originations not just during the housing bubble, but also persists through more recent times.
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