NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Mortgage Timing

Ralph S.J Koijen, Otto Van Hemert, Stijn Van Nieuwerburgh

NBER Working Paper No. 13361
Issued in September 2007

---- Acknowledgements -----

The authors would like to thank Yakov Amihud, Sandro Andrade, Andrew Ang, Jules van Binsbergen, Michael Brandt, Alon Brav, Markus Brunnermeier, John Campbell, Jennifer Carpenter, Michael Chernov, Jo\~{a}o Cocco, John Cochrane, Thomas Davidoff, Joost Driessen, Gregory Duffee, Darrell Duffie, John Graham, Andrea Heuson, Dwight Jaffee, Ron Kaniel, Anthony Lynch, Theo Nijman, Chris Mayer, Frank Northaft, Francois Ortalo-Magne, Lasse Pedersen, Ludovic Phalippou, Adriano Rampini, Matthew Richardson, David Robinson, Walter Torous, Ross Valkanov, James Vickery, Annette Vissing-Jorgensen, Nancy Wallace, Bas Werker, Jeff Wurgler, Alex Ziegler, Stan Zin, and seminar participants at Carnegie Mellon University, the University of Amsterdam, Princeton University, the University of Southern California, New York University, the University of California at Berkeley, the Federal Reserve Bank of St.-Louis, Duke University, Florida State University, the University of Wisconsin at Madison, the AREUEA Mid-Year Meeting in DC, the New York area real estate meeting, the Summer Real Estate Symposium in Big Sky, the Portfolio Theory conference in Toronto, the Asian Finance Association meeting in Chengdu, the Behavioral Finance conference in Singapore, the NBER Summer Institute Asset Pricing meeting, the CEPR Financial Markets conference in Gerzensee, and the European Finance Association conference in Ljubljana for comments. The authors gratefully acknowledge financial support from the FDIC's Center for Financial Research. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research.

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