Therese C. Scharlemann

Board of Governors of the Federal Reserve System

20th Street and Constitution Avenue NW

Washington, DC 20551

United States

SCHOLARLY PAPERS

7

DOWNLOADS

808

SSRN CITATIONS

8

CROSSREF CITATIONS

11

Scholarly Papers (7)

Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance

Number of pages: 68 Posted: 10 Sep 2021 Last Revised: 06 Sep 2022
You Suk Kim, Donghoon Lee, Therese C. Scharlemann and James I. Vickery
Board of Governors of the Federal Reserve System, Federal Reserve Bank of New York, Board of Governors of the Federal Reserve System and Federal Reserve Bank of Philadelphia
Downloads 144 (374,112)
Citation 3

Abstract:

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mortgage, forbearance, debt relief, CARES Act, COVID-19, liquidity

Intermediation Frictions in Debt Relief: Evidence from CARES Act Forbearance

FRB of New York Staff Report No. 1035, 2022
Number of pages: 69 Posted: 17 Oct 2022
You Suk Kim, Donghoon Lee, Therese C. Scharlemann and James I. Vickery
Board of Governors of the Federal Reserve System, Federal Reserve Bank of New York, Board of Governors of the Federal Reserve System and Federal Reserve Bank of Philadelphia
Downloads 93 (518,904)

Abstract:

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mortgage, forbearance, liquidity, nonbank, CARES Act, COVID-19

Intermediation Frictions in Debt Relief: Evidence from Cares Act Forbearance

FEDS Working Paper No. 2022-17
Number of pages: 65 Posted: 12 Apr 2022
You Suk Kim, Donghoon Lee, Therese C. Scharlemann and James I. Vickery
Board of Governors of the Federal Reserve System, Federal Reserve Bank of New York, Board of Governors of the Federal Reserve System and Federal Reserve Bank of Philadelphia
Downloads 34 (852,884)
Citation 2

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Mortgage, Forbearance, Debt relief, CARES Act, COVID-19, Liquidity

The HAMP NPV Model: Development and Early Performance

FHFA Working Paper No. 11-1
Number of pages: 40 Posted: 25 Jul 2011 Last Revised: 01 Aug 2011
Federal National Mortgage Association (Fannie Mae), Federal Housing Finance Agency (FHFA), Federal Home Loan Mortgage Corporation (FHLMC), Board of Governors of the Federal Reserve System, Government of the United States of America - Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration
Downloads 236 (240,289)

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mortgage modification, mortgage default, HAMP, Home Affordable Modification Program

The HAMP NPV Model: Development and Early Performance

Real Estate Economics, Forthcoming
Posted: 06 Mar 2012
Federal National Mortgage Association (Fannie Mae), Federal Housing Finance Agency (FHFA), Federal Home Loan Mortgage Corporation (FHLMC), Board of Governors of the Federal Reserve System, Government of the United States of America - Federal Deposit Insurance Corporation (FDIC) and affiliation not provided to SSRN

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Mortgage Modification, Default, Prepayment

Household Financial Decision-Making after Natural Disasters: Evidence from Hurricane Harvey

FEDS Working Paper No. 2022-15
Number of pages: 47 Posted: 12 Apr 2022
Alejandro del Valle, Therese C. Scharlemann and Stephen H. Shore
Georgia State University, Board of Governors of the Federal Reserve System and Georgia State University
Downloads 72 (607,455)
Citation 1

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Forbearance, Household behavior, Mortgages and credit, Natural disaster

Household Financial Decision-Making After Natural Disasters: Evidence from Hurricane Harvey

Number of pages: 45 Posted: 01 Oct 2021
Alejandro del Valle, Therese C. Scharlemann and Stephen H. Shore
Georgia State University, Board of Governors of the Federal Reserve System and Georgia State University
Downloads 65 (642,762)

Abstract:

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Household Finance, Borrowing, Forberance, Hurricanes, Natural Disasters

4.

The Effect of Negative Equity on Mortgage Default: Evidence from HAMP PRA

Office of Financial Research Working Paper No. 15-06
Number of pages: 50 Posted: 22 Aug 2015
Therese C. Scharlemann and Stephen H. Shore
Board of Governors of the Federal Reserve System and Georgia State University
Downloads 74 (589,718)
Citation 3

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Mortgages, Real Estate

5.

Fiscal Policy and Geographic Variation in the Refinancing Channel

Number of pages: 37 Posted: 28 Mar 2022
Therese C. Scharlemann and Eileen van Straelen
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 67 (622,052)
Citation 1

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Mortgages, household finance, fiscal policy, monetary policy

6.

Borrowing and Spending in the Money: Debt Substitution and the Cash-Out Refinance Channel of Monetary Policy

FEDS Working Paper No. 2023-73
Number of pages: 62 Posted: 19 Dec 2023
Elliot Anenberg, Therese C. Scharlemann and Eileen van Straelen
Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 23 (927,019)

Abstract:

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Equity extraction, Mortgages and credit, Cash out refinancing, Monetary policy, Refinancing

7.

The Effect of Mortgage Forbearance on House Prices During Covid-19

FEDS Notes No. 2021-03-19-2
Posted: 22 Mar 2021 Last Revised: 09 Jul 2021
Elliot Anenberg and Therese C. Scharlemann
Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System

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