Economics, Econometrics and Finance
7 years ago

Diversified mortgage portfolios: the key to secure home financing success!

The Journal of Risk
Well ARMed and FiRM: diversification of mortgage loans for homebuyers
Kourosh Rasmussen, Stavros A. Zenios

Paper Summary

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Homebuyers can benefit from diversifying their mortgage loans with a mix of fixed- and adjustable-rate options. A study on the Danish market shows that having a portfolio of loans can help manage risk and adapt to changing market conditions. Even with origination costs, it is wise for risk-averse homebuyers to consider this approach for long-term financing.