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Harvard Releases Study the Effect of Securitization on Foreclosures & Modifications

americansecuritization.comJuly 5, 2013

Samuel Kruger, a Ph.D. Candidate in Business Economics at Harvard University, recently released a paper entitled, “The Effect of Mortgage Securitization on Foreclosure and Modification,” which analyzes how privately securitized loans affect the decisions of mortgage servicers. Looking at data from the third quarter 2007 freeze of private mortgage securitization as an “exogenous change in probability of securitization for jumbo mortgages,” Mr. Kruger estimates that before the Home Affordable Modification Program (HAMP), private securitization increased foreclosure probability and decreased modification probability. After the implementation of HAMP, private securitization continued to increase foreclosure probability, but loans were no longer biased against modification.

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CFLA was founded by the Nation's Leading Foreclosure Defense Attorneys back in 2007 to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, we're careful to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it's the founding principle, just ask Andrew P. Lehman, J.D.. With convenient locations in Houston and Los Angeles, you can contact Our National Account Specialist and General Manager / Member Damion W. Emholtz at 888-758-2352 for a free Mortgage Fraud Analysis or to obtain samples of work product, including cutting edge Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and for more information about our Nationally Accredited and U.S. Department of Education Approved "Mortgage Securitization Analyst Training Certification" Classes (3 days) 24 hours for approved CLE & MCLE Credit (Now Available Online).

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