Stephanie Moulton

Ohio State University- John Glenn College of Public Affairs

Associate Professor

110 Page Hall

1810 College Road

Columbus, OH 43210

United States

  • Ohio State University- John Glenn College of Public Affairs

SCHOLARLY PAPERS

17

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2,775

SSRN CITATIONS
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Top 22,076

in Total Papers Citations

33

CROSSREF CITATIONS

20

Scholarly Papers (17)

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1.

An Analysis of Default Risk in the Home Equity Conversion Mortgage (HECM) Program

Number of pages: 47 Posted: 20 Jul 2014 Last Revised: 31 Aug 2015
Stephanie Moulton, Donald R. Haurin and Wei Shi
Ohio State University- John Glenn College of Public Affairs, Ohio State University (OSU) - Economics and Ohio State University (OSU) - Economics
Downloads 681 (67,183)
Citation 13

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Reverse Mortgages, Mortgage Default, Senior Housing, Property Taxes

2.

Aging in Place: Analyzing the Use of Reverse Mortgages to Preserve Independent Living Summary Report of Survey Results

Number of pages: 90 Posted: 19 Mar 2016 Last Revised: 06 May 2016
Stephanie Moulton, Cäzilia Loibl, Donald R. Haurin, J. Michael Collins, Stephen Roll, Olga Kondratjeva and Wei Shi
Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, Follette School of Public Affairs, Washington University in St. Louis, John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 561 (85,651)
Citation 4

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reverse mortgage, home equity, retirement

3.

Does Temporary Mortgage Assistance for Unemployed Homeowners Reduce Longer Term Mortgage Default? An Analysis of the Hardest Hit Fund Program

Number of pages: 53 Posted: 20 Apr 2020 Last Revised: 03 Feb 2021
Stephanie Moulton, Yung Chun, Stephanie Pierce, Holly Holtzen, Roberto Quercia and Sarah Riley
Ohio State University- John Glenn College of Public Affairs, Washington University in St. Louis, Ohio State University - John Glenn College of Public Affairs, affiliation not provided to SSRN, University of North Carolina (UNC) at Chapel Hill - Department of City and Regional Planning and University of North Carolina (UNC) at Chapel Hill
Downloads 307 (171,285)
Citation 1

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Foreclosure, Loan Modification, Unemployment

4.

Seniors’ Home Equity Extraction: Credit Constraints and Borrowing Channels

Downloads 229 (229,957)
Citation 2

Seniors’ Home Equity Extraction: Credit Constraints and Borrowing Channels

Number of pages: 35 Posted: 04 Feb 2016 Last Revised: 25 Jun 2019
Stephanie Moulton, Samuel Dodini, Donald R. Haurin and Maximilian D. Schmeiser
Ohio State University- John Glenn College of Public Affairs, Cornell University, College of Human Ecology, Students, Ohio State University (OSU) - Economics and Amazon Lending
Downloads 172 (297,810)
Citation 1

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equity extraction, mortgages, home equity, household finance, reverse mortgages

How House Price Dynamics and Credit Constraints Affect the Equity Extraction of Senior Homeowners

FEDS Working Paper No. 2015-070, http://dx.doi.org/10.17016/FEDS.2015.070
Number of pages: 39 Posted: 21 Sep 2015
Stephanie Moulton, Samuel Dodini, Donald R. Haurin and Maximilian D. Schmeiser
Ohio State University- John Glenn College of Public Affairs, Cornell University, College of Human Ecology, Students, Ohio State University (OSU) - Economics and Amazon Lending
Downloads 57 (634,518)
Citation 1

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Home Equity Extraction, Mortgages and credit, Reverse Mortgages

5.

Reminders to Pay Property Tax Payments: A Field Experiment of Older Adults with Reverse Mortgages

Number of pages: 27 Posted: 06 Sep 2019
Stephanie Moulton, J. Michael Collins, Cäzilia Loibl, Donald R. Haurin and Julia Brown
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs, The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics and University of Maryland - Department of Economics
Downloads 146 (341,679)
Citation 2

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property taxes, seniors, reverse mortgages, reminders

6.

International Perspectives on Homeownership and Home Equity Extraction by Senior Households

Number of pages: 47 Posted: 14 Jun 2017
Donald R. Haurin and Stephanie Moulton
Ohio State University (OSU) - Economics and Ohio State University- John Glenn College of Public Affairs
Downloads 144 (345,451)
Citation 6

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Reverse Mortgage, Home Equity Extraction, Seniors, Wealth

7.

Spatial Variation in Reverse Mortgages Usage: House Price Dynamics and Consumer Selection

Downloads 142 (349,381)

Spatial Variation in Reverse Mortgages Usage: House Price Dynamics and Consumer Selection

Number of pages: 30 Posted: 25 Jun 2014
Donald R. Haurin, Chao Ma, Stephanie Moulton, Maximilian D. Schmeiser, Jason S. Seligman and Wei Shi
Ohio State University (OSU) - Economics, Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, Amazon Lending, The Investment Company Institute and Ohio State University (OSU) - Economics
Downloads 142 (350,032)
Citation 17

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Reverse Mortgages, Mortgage Choice, Senior Housing

Spatial Variation in Reverse Mortgages Usage: House Price Dynamics and Consumer Selection

Journal of Real Estate Finance and Economics, Vol. 53, No. 3, 2016
Posted: 19 Sep 2016
Donald R. Haurin, Chao Ma, Stephanie Moulton, Maximilian D. Schmeiser, Jason S. Seligman and Wei Shi
Ohio State University (OSU) - Economics, Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, Amazon Lending, The Investment Company Institute and Ohio State University (OSU) - Economics

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Reverse mortgages, Mortgage choice, Senior housing

8.

How Home Equity Extraction and Reverse Mortgages Affect the Credit Outcomes of Senior Households

Michigan Retirement Research Center Research Paper No. 2016-351
Number of pages: 63 Posted: 17 Dec 2016
Stephanie Moulton, Donald R. Haurin, Samuel Dodini and Maximilian D. Schmeiser
Ohio State University- John Glenn College of Public Affairs, Ohio State University (OSU) - Economics, Cornell University, College of Human Ecology, Students and Amazon Lending
Downloads 107 (431,608)
Citation 4

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retirement security, home equity extraction, credit outcomes

9.

Credit Counseling and Long-Term Credit Outcomes: Evidence from the National Foundation for Credit Counseling’s Sharpen Your Financial Focus Program

Number of pages: 55 Posted: 21 Sep 2022
Adrienne DiTommaso and Stephanie Moulton
The Ohio State University and Ohio State University- John Glenn College of Public Affairs
Downloads 101 (449,734)

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debt, credit card, credit counseling, bankruptcy

10.

The Relationship between Reverse Mortgage Borrowing, Domain and Life Satisfaction

Journals of Gerontology Series B: Psychological Sciences and Social Sciences, doi: 10.1093/geronb/gby096
Number of pages: 29 Posted: 18 Oct 2018
Cäzilia Loibl, Donald R. Haurin, Julia Brown and Stephanie Moulton
The Ohio State University - Department of Human Sciences, Ohio State University (OSU) - Economics, University of Maryland - Department of Economics and Ohio State University- John Glenn College of Public Affairs
Downloads 76 (536,450)
Citation 2

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General and domain satisfaction, Home equity withdrawal, Mortgage debt, Reverse mortgage, Housing wealth

11.

The Accuracy of Senior Households' Estimates of Home Values: Application to the Reverse Mortgage Decision

Number of pages: 33 Posted: 14 Apr 2017 Last Revised: 18 Apr 2018
Donald R. Haurin, Stephanie Moulton and Wei Shi
Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 71 (557,167)
Citation 1

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Self-Assessed House Value, Senior Homeowners, Assessment Errors, Debt Management, Reverse Mortgages, Nominal Loss Denial

12.

Beyond the Transaction: Depository Institutions and Reduced Mortgage Default for Low-Income Homebuyers

FRB of Cleveland Working Paper No. 11-15
Number of pages: 44 Posted: 02 Aug 2011 Last Revised: 09 Jan 2012
O. Emre Ergungor and Stephanie Moulton
Bank of America Merrill Lynch and Ohio State University- John Glenn College of Public Affairs
Downloads 65 (583,826)
Citation 5

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Relationship lending, Mortgage Revenue Bond program, mortgage performance, soft information

13.

Unlocking Housing Wealth for Older Americans: Strategies to Improve Reverse Mortgages

The Brookings Institute Economic Studies Program, available online at https://www.brookings.edu/research/unlocking-housing-wealth-for-older-americans-strategies-to-improve-reverse-mortgages/
Number of pages: 34 Posted: 17 Mar 2021
Stephanie Moulton and Donald R. Haurin
Ohio State University- John Glenn College of Public Affairs and Ohio State University (OSU) - Economics
Downloads 60 (607,640)

Abstract:

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home equity, reverse mortgage, older adults

14.

Pragmatic Field Experiments in Policy Research: The Case of a Pilot Program for Municipal Water Customers

Number of pages: 52 Posted: 26 Jun 2018
Stephanie Moulton, J. Michael Collins and Olga Kondratjeva
Ohio State University- John Glenn College of Public Affairs, Follette School of Public Affairs and John Glenn College of Public Affairs
Downloads 48 (672,979)
Citation 1

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Randomized Control Trial, Field Experiment, Financial Capability

15.

Debt Stress and Debt Illusion: The Role of Consumer Credit, Reverse and Standard Mortgages

Number of pages: 35 Posted: 28 Oct 2020
Donald R. Haurin, Stephanie Moulton, Cäzilia Loibl and Julia Brown
Ohio State University (OSU) - Economics, Ohio State University- John Glenn College of Public Affairs, The Ohio State University - Department of Human Sciences and University of Maryland - Department of Economics
Downloads 37 (745,111)
Citation 1

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Stress; Reverse Mortgage; Consumer Debt; Debt Illusion

16.

The Market for Reverse Mortgages among Older Americans

Wharton Pension Research Council Working Paper No. 2020-22, Published in Mitchell, O. (Ed.) (2022). New Models for Managing Longevity Risk: Public-Private Partnerships. Oxford, UK: Oxford University Press.
Posted: 17 Sep 2020 Last Revised: 25 Feb 2022
Christopher Mayer and Stephanie Moulton
Columbia University - Columbia Business School and Ohio State University- John Glenn College of Public Affairs

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Reverse mortgage, home equity, borrowers, older adults, retirement

17.

Samaritans, Patriots, and Communitarians: An Investigation of Public Service Among Private Sector Mortgage Lenders

Posted: 19 Mar 2009
Stephanie Moulton and Mary K. Feeney
Ohio State University- John Glenn College of Public Affairs and Arizona State University (ASU) - School of Public Affairs

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Public service motivation, lenders, morgage, public service