Stephanie Moulton

In this article, Dr. Stephanie Moulton and a team of housing policy experts draw from recent research to propose changes to the housing finance system that would improve access to mortgages while enabling homeownership stability for low wealth households in the U.S.

Stephanie Moulton's paper provides novel evidence that stabilizing housing during an unemployment shock leads to better employment outcomes over the long term.

Stephanie Moulton and colleagues research the association between public benefits and the use of costly credit.

Stephanie Moulton examines the extent to which older adults use home equity to help manage the costs associated with a chronic disease in older age and how such borrowing can affect their ability to manage the disease. 

Stephanie Moulton's study examines the effects of reforms to reduce administrative burden in a foreclosure prevention program by streamlining the application process and reducing applicant wait times.

Stephanie Moulton documents the credit outcomes of older adults immediately before and after the onset of the COVID-19 pandemic in the United States.

Stephanie Moulton examines the relationship between wealth and health. 

Adrienne DiTommaso and Stephanie Moulton's study identifies the characteristics and long-term outcomes of consumers participating in nonprofit credit counseling, including those who do and do not enroll in debt management plans. 

Stephanie Moulton's study is based on a field experiment designed to increase the salience of property tax and insurance payments among a particularly vulnerable population, older adults who took out a reverse mortgage. 

Stephanie Moulton and Stephanie Casey-Pierce analyze the longer-term effects of temporary mortgage payment subsidies on mortgage default.

Stephanie Moulton and Caezilia Loibl explore why some older adults claim Social Security benefits early and whether the level of an individual’s financial stress prior to the claiming decision is associated with a benefit claim at age 62.

This article examines four specific research topics at different stages in the homeownership life cycle—from mortgage underwriting to post-purchase support, as proposed in the HUD learning objectives.

Stephanie Moulton assesses the impact of new mortgage borrowing on food insecurity among homeowners aged 65 and older.

Caezilia Loibl and Stephanie Moulton examine the extent to which credit cards, other consumer debts, and mortgage debt increase financial stress.

Stephanie Moulton's paper explores how extraction of home equity through the federally insured Home Equity Conversion Mortgage (HECM) affects the credit outcomes of older adults. 

Stephanie Moulton's study examines the relationship of debt stress and reverse mortgage borrowing and compares it to stress from standard mortgages and consumer debt.

Stephanie Moulton examines the role of state subsides on low-income home mortgages. 

Stephanie Moulton examines the behavior of mortgage borrowers.