An Analysis of Home Equity Conversion in the RAM Program

Maurice Weinrobe

Real Estate Economics, 1987, vol. 15, issue 2, 65-78

Abstract: Home equity conversion by elderly homeowners is described and analyzed. The transactions were completed under the California RAM Program. One hundred twenty‐six of 345 applicants elected to enter into reverse mortgages or sale‐leasebacks. Data from interviews conducted as part of the application/counseling process are analyzed to discern the most important variables in the equity conversion decision.

Date: 1987
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