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Research

Research

Credit Risk Spreads Among Metropolitan Areas Driven by Traits of the Local Economy and New CA House Price Scenarios

Collateral Analytics

by Dr. James R. Follain and Dr. Michael Sklarz CA’s Credit Risk Model generates estimates of credit risk spreads on residential mortgage loans. These spreads measure the annualized cost of a potential default on the mortgage. The model is to…
Research

Do Appraisals Always Require Adjustments for Property Condition?

Collateral Analytics

Do Appraisals Always Require Adjustments for Property Condition? In our latest study on property conditions we try and answer this question. There is no question that property conditions matter in the estimation of home value.  But how often do appraisers…
Research

Do Short Sales Save Lenders Money?

Collateral Analytics

Occupancy and attitude can make a difference. Michael Sklarz PH. D. / Patrick Callison, CRA Short sales are a better alternative to foreclosure and REOs because they save legal and administrative costs necessary to foreclose; get someone out of a…
Research

Five Year HP Forecasts for Large CBSAs: The Key Role of the Gap between the Level of Prices and the Level Predicted by the Fundamentals

Collateral Analytics

by Michael Sklarz, Ph.D., Jim Follain Ph.D., and Norm Miller Ph.D. Our most recent analysis of house prices provided insights about the potential threat of a house price bubble in various parts of the country. The primary indicator of a…
Research

Flawed Housing Affordability Analysis: The Case of San Diego County

Collateral Editor

by Dr. Michael Sklarz* and Dr. Norman Miller** | February 12, 2019 Download a PDF file of this research paper here. Abstract For decades most housing economist have used median home prices and median household incomes along with…
Research

Foreclosure Contagion and REO Versus Non-REO Sales

Collateral Analytics

Using ZIP code-level data on foreclosure rates, distressed and non-distressed sales in Chicago, Illinois we examine the REO discount. We find significant differences in the difference in price between distressed and non-distressed properties in high- versus low-foreclosure rate neighborhoods. We…
Research

Has the Internet Increased the Efficiency of the Housing Market?

Collateral Analytics

by Dr. Michael Sklarz*, Dr. Norman Miller** and Katrin Kandlbinder*** November 27, 2017 Download a PDF file of this research paper here. Introduction Historically, research has shown that out-of-town home buyers are informationally disadvantaged…
Research

Here’s strong proof of the wide differences in local house prices

Collateral Analytics

Big data dispels notion of national market by Dr. James R. Follain and Dr. Michael Sklarz Modern analysis of real estimate markets is a great example of the new world of “big data”. Some of the empirical analysis of…
Research

Home Prices and Property Condition

Collateral Analytics

by Michael Sklarz, Ph.D., Jim Follain Ph.D., and Norm Miller Ph.D The Collateral Analytics Research & Development Group has been working on a new project over the past year which we feel is both ground breaking and exciting. The goal…
Research

House Price Forecasts for 2015 Using Updated CA HP Model

Collateral Analytics

Highlighting the Role of Both Long-Run and Short-Run Market Conditions by Dr. James R. Follain and Dr. Michael Sklarz Movements of house prices are driven by both long term factors and short run market conditions. These long run factors consist…