Professional Publications and Papers

Implied Mortgage Refinancing Thresholds
P. Bennett and S. Peristiani
Real Estate Economics, forthcoming

Structural Change in the Mortgage Market and the Propensity to Refinance
With P. Bennett and S. Peristiani
Forthcoming, Journal of Money, Credit, and Banking

A Nation of Spendthrifts? An Analysis of Trends in Personal and Gross Saving
With C. Steindel
Federal Reserve Bank of New York Current Issues in Economics and Finance, Vol. 6, No. 10, 2000

Housing Outcomes: An Assessment of Long-Term Trends
With J. Orr
Federal Reserve Bank of New York Economic Policy Review, September 1999, Volume 5, Number 3

Structural Change in the Mortgage Market and the Propensity to Refinance
With P. Bennett and S. Peristiani
Paper presented at the Spring Meeting of the American Real Estate and Urban Economics Association, June 1998

Effects of Household Creditworthiness on Mortgage Refinancing
With S. Peristiani, P. Bennett, G. Monsen, J. Raiff
The Journal of Fixed Income Vol. 7, No. 3, December, 1997

Credit, Equity and Mortgage Refinancing
With S. Peristiani, P. Bennett, G. Monsen, J. Raiff
Federal Reserve Bank of New York Economic Policy Review, July 1997

Core CPI: Excluding Food, Energy... and Used Cars?
With Karen Alvarez
Federal Reserve Bank of New York Current Issues in Economics and Finance, Vol. 2, No. 4, April, 1996

Health Care Reform: The Issues and the Options
Federal Reserve Bank of New York Working Paper, September 1994

Inflation and the Welfare Loss From Taxation
Paper presented at a joint meeting of the Federal Reserve System Committees on Business and Financial Analysis, September, 1993

An Analysis of the Tax Treatment of Homeownership
With John Kokus
Real Estate Educators Association Journal, May 1992

Impacts of Regulation on Housing and on Housing Finance: The U.S. Case
With Donald R. Brenner, Charles A. Feild, Fred A. Flick and John A. Tuccillo
The Key to Housing for All: Public/Private Partnerships Preliminary Program, The Third International Shelter Conference, National Association of Realtors, April 1990

Is the Mankiw and Weil Forecast Believable?
With Patric H. Hendershott
Paper presented at the Spring Meeting of the American Real Estate and Urban Economics Association, May 1990

The Below-Market Financing Premium: The Buyer's Viewpoint
With Glenn E. Crellin
The Appraisal Journal, October 1985


More than 50 articles published in trade publications in areas of real estate finance, mortgage banking, housing market activity and economic forecasts. Comprehensive list available on request.

Richard Peach's CV

The views expressed in the papers listed on this page are those of the author(s) and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System.