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About the Author(s)

Fernando Ferreira

Fernando Ferreira is an associate professor of real estate and business economics and public policy at The Wharton School of the University of Pennsylvania, where he is also the coordinator of the Wharton Applied Economics PhD Program. He is a research associate in the NBER Public Economics Program, and has co-organized the NBER Summer Institute Real Estate meeting since 2014.

Ferreira is also a faculty fellow of the Penn Institute for Urban Research, and was a co-editor of the Journal of Public Economics from 2013 to 2018.

His research interests lie in the intersection of real estate, urban economics, and public economics. He has written about household location decisions and valuation of public goods, with a special focus on public elementary schools; how the size and composition of local governments are influenced by housing markets, political parties, income inequality, and female leadership; and the causes and consequences of the last housing cycle, including the impact of negative equity on household mobility and the vulnerability of minority homeowners during the boom and bust.

Ferreira obtained his PhD in economics from the University of California, Berkeley. He also has an MA in economics from the Federal University of Rio Grande do Sul and a BA in economics from the State University of Maringa, both in Brazil.

Endnotes

1. F. Ferreira and J. Gyourko, "A New Look at the U.S. Foreclosure Crisis: Panel Data Evidence of Prime and Subprime Borrowers from 1997 to 2012," NBER Working Paper 21261, June 2015.   Go to ⤴︎
2. M. Adelino, A. Schoar, and F. Severino, "Loan Originations and Defaults in the Mortgage Crisis: The Role of the Middle Class," NBER Working Paper 20848, January 2015, and The Review of Financial Studies, 29(7), 2016, pp. 1635–70.   Go to ⤴︎
3. C. Foote, L. Loewenstein, and P. Willen, "Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications," NBER Working Paper 22985, December 2016.   Go to ⤴︎
4. N. Bhutta, "The Ins and Outs of Mortgage Debt During the Housing Boom and Bust," Journal of Monetary Economics, 76, 2015, pp. 284–98.   Go to ⤴︎
5. S. Albanesi, G. De Giorgi, and J. Nosal, "Credit Growth and the Financial Crisis: A New Narrative," NBER Working Paper 23740, August 2017.   Go to ⤴︎
6. K. Gerardi, K. Herkenhoff, L. Ohanian, and P. Willen, "Can't Pay or Won't Pay? Unemployment, Negative Equity, and Strategic Default," NBER Working Paper 21630, October 2015.   Go to ⤴︎
7. P. Bayer, F. Ferreira, and S. Ross, "What Drives Racial and Ethnic Differences in High-Cost Mortgages? The Role of High-Risk Lenders," NBER Working Paper 22004, February 2016, and The Review of Financial Studies, 31(1), 2018, pp. 175–205.   Go to ⤴︎
8. P. Bayer, F. Ferreira, and S. Ross, "The Vulnerability of Minority Homeowners in the Housing Boom and Bust," NBER Working Paper 19020, May 2013, and American Economic Journal: Economic Policy, 8(1), 2016, pp. 1–27. Go to ⤴︎

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