Abstract

http://ssrn.com/abstract=2171357
 
 

References (53)



 
 

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The Historical Origins of America's Mortgage Laws


Andra C. Ghent


University of Wisconsin - School of Business - Department of Real Estate and Urban Land Economics

November 5, 2012

Research Institute for Housing America Research Paper No. 12-02

Abstract:     
This paper examines the different legal frameworks for mortgage markets in different states, focusing on how and when they came into existence, including the British influence on laws in some of the older states, with a particular emphasis on foreclosures, including judicial vs. non-judicial regimes, redemption rights and deficiency judgments. The paper concludes that mortgage laws in America are a patchwork driven by path dependence, rather than a coordinated effort or a reaction to some economic event or condition.

Number of Pages in PDF File: 50

Keywords: Mortgage Laws, Evolution of Mortgage Legal Frameworks


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Date posted: November 5, 2012  

Suggested Citation

Ghent, Andra C., The Historical Origins of America's Mortgage Laws (November 5, 2012). Research Institute for Housing America Research Paper No. 12-02. Available at SSRN: http://ssrn.com/abstract=2171357 or http://dx.doi.org/10.2139/ssrn.2171357

Contact Information

Andra C. Ghent (Contact Author)
University of Wisconsin - School of Business - Department of Real Estate and Urban Land Economics ( email )
School of Business
975 University Avenue
Madison, WI 53706
United States
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References:  53
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