@techreport{NBERw3548,
 title = "The Market for Home Mortgage Credit:  Recent Changes and Future Prospects",
 author = "Patric H. Hendershott",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "3548",
 year = "1990",
 month = "December",
 URL = "http://www.nber.org/papers/w3548",
 abstract = {Three major changes occurred during the 1980s in the market for home mortgage credit; the securitization of fixed-rate mortgages, the development of a national primary market for adjustable-rate mortgages, and the decimation of the saving and loan industry. These changes and their impacts on various financial industries and homebuyers are the subjects of this paper. I also briefly speculate about likely future changes in this market.},
}