{"id":10160,"date":"2016-09-12T14:03:20","date_gmt":"2016-09-12T14:03:20","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=10160"},"modified":"2016-09-12T14:03:29","modified_gmt":"2016-09-12T14:03:29","slug":"women-better-men-paying-mortgages","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/women-better-men-paying-mortgages\/","title":{"rendered":"Women Better Than Men at Paying Mortgages"},"content":{"rendered":"

Women Better Than Men at Paying Mortgages<\/h2>\n

 <\/p>\n

\"Women<\/a>

Women Better Than Men at Paying Mortgages<\/p><\/div>\n

Women are less likely than men to miss a mortgage payment, according to a new study from the Urban Institute. Yet, they tend to pay higher interest rates.<\/p>\n

A single male borrower had a 6 percent probability of default while a comparable female-only borrower had an expected default rate of 5.8 percent, the study showed.<\/p>\n

\u201cThis is the first step in saying the barometer is consistently not accurately predicting whether women are able to pay their mortgages,\u201d says Sheryl Pardo, a spokesperson for the Housing Finance Policy Center at the Urban Institute.<\/p>\n

Even though women show a higher tendency to pay their mortgages on time, they tend to pay higher interest rates. Why? The study posits that women tend to get higher interest rates because they comprise a higher percentage of subprime loan borrowers and their credit profiles don\u2019t tend to be as good as men\u2019s.<\/p>\n

But the study\u2019s authors argue that lenders need to reassess predictors in determining how likely a person is to default on the loan.<\/p>\n

Women\u2019s predictors are lower, which suggests she\u2019s not going to do as well, but lenders aren\u2019t \u201cpredicting accurately,\u201d Pardo told Credit.com. \u201cWomen do better than their characteristics say they should do. And, in fact, they perform better than men.\u201d<\/p>\n

Women tend to pay higher interest rates than men \u2013 5.48 percent versus 5.41 percent, the study found. Women borrowers tend to have more debt to income, which lowers credit scores, and they tend to have less income than men ($68,000 versus $95,000 for men).<\/p>\n

\u201cGiven that more\u00a0than\u00a0one-third of female-only borrowers are minorities and almost half of them live in low-income communities, we need to develop more robust and accurate measures of risk to ensure that we aren\u2019t denying mortgages to\u00a0women\u00a0who are fully able to make good on their payments,\u201d Pardo says.<\/p>\n

Source: \u201cWomen Are Better Than Men at Paying Their Mortgages,\u201d Credit.com (Sept. 8, 2016)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Women Better Than Men at Paying Mortgages   Women are less likely than men to miss a mortgage payment, according to a new study from the Urban Institute. Yet, they tend to pay higher interest rates. A single male borrower had a 6 percent probability of default while a comparable female-only borrower had an expected … <\/p>\n

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