Oct 26
2016

Neighborhood Attributes and Analysis: Valuation Certainty and Price Risk

by Dr. Michael Sklarz and Dr. Norman Miller Introduction The analysis of home price risk, default and foreclosure risk, usually occurs at the individual household level and considers value, credit, income and wealth at that same level.  Without dismissing the …

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Aug 1
2016

Adjusting Loan to Value (LTV) Ratios to Reflect Value Uncertainty

by Dr. Michael Sklarz and Dr. Norman Miller  |  August 1, 2016 Introduction It is becoming common when ordering appraisals on new loans or refi applications to also include an AVM (automated valuation model) as these are relatively inexpensive ways …

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Jun 1
2016

Why Housing Price Indices Are Super Tools Waiting to be More Fully Utilized: and How to Produce Them?*

by Michael Sklarz, Ph.D. and Norm Miller Ph.D.    Abstract There are a variety of house price indices that are useful for the market. While large scale metro indices are most often discussed by the media, consumers along with the …

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