NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Unemloyment and Unobserved Credit Risk in the FHA Single Family Mortgage Insurance Fund

Joseph Gyourko, Joseph Tracy

NBER Working Paper No. 18880
Issued in March 2013

---- Acknowledgements -----

These views represent those of the authors and not necessarily those of the Federal Reserve Bank of New York, the Federal Reserve System, or the National Bureau of Economic Research. John Grigsby provided excellent research assistance. We thank Andrew Haughwout and Wilbert van der Klaauw for their helpful comments. Gyourko thanks the Research Sponsor Program of the Zell/Lurie Real Estate Center at Wharton for financial support.

---- Disclosure of Financial Relationships for Joseph Gyourko -----

Gyourko gratefully acknowledges support from the Research Sponsors Program of the Zell/Lurie Real Estate Center at Wharton.

Gyourko also acknowledges that he is an Adjunct Scholar at the American Enterprise Institute, where is is working on research to develop a plan to restructure the FHA as part of AEI's National Research Initiative.

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