id	sid	eid	entity	type
fsr-3540	2	1	christine mcclatcheya	PERSON
fsr-3540	2	2	university of northern colorado	ORG
fsr-3540	2	3	128	CARDINAL
fsr-3540	2	4	greeley	GPE
fsr-3540	2	5	80639	DATE
fsr-3540	3	1	two	CARDINAL
fsr-3540	4	1	third	ORDINAL
fsr-3540	8	1	2023	CARDINAL
fsr-3540	10	1	jel	ORG
fsr-3540	10	2	1	CARDINAL
fsr-3540	11	1	forty-four percent	PERCENT
fsr-3540	11	2	u.s.	GPE
fsr-3540	11	3	2020	DATE
fsr-3540	12	1	the prior year	DATE
fsr-3540	12	2	2019	DATE
fsr-3540	12	3	stolba	NORP
fsr-3540	12	4	2021	DATE
fsr-3540	18	1	1057-0810/23/$	DATE
fsr-3540	18	2	2023	CARDINAL
fsr-3540	20	1	31	CARDINAL
fsr-3540	20	2	2023	CARDINAL
fsr-3540	23	1	monthly	DATE
fsr-3540	23	2	monthly	DATE
fsr-3540	25	1	brady	PERSON
fsr-3540	25	2	2000	DATE
fsr-3540	27	1	one	CARDINAL
fsr-3540	29	1	alt-2	ORG
fsr-3540	30	1	monthly	DATE
fsr-3540	30	2	one	CARDINAL
fsr-3540	34	1	one	CARDINAL
fsr-3540	34	2	monthly	DATE
fsr-3540	35	1	monthly	DATE
fsr-3540	37	1	monthly	DATE
fsr-3540	39	1	monthly	DATE
fsr-3540	41	1	1	CARDINAL
fsr-3540	41	2	three	CARDINAL
fsr-3540	42	1	2	CARDINAL
fsr-3540	43	1	monthly	DATE
fsr-3540	44	1	1	CARDINAL
fsr-3540	44	2	30-year	DATE
fsr-3540	44	3	1971	DATE
fsr-3540	45	1	1982	DATE
fsr-3540	45	2	the past three decades	DATE
fsr-3540	46	1	198	CARDINAL
fsr-3540	46	2	31	CARDINAL
fsr-3540	46	3	2023	CARDINAL
fsr-3540	46	4	monthly	DATE
fsr-3540	49	1	noyan	PERSON
fsr-3540	49	2	eugene	PERSON
fsr-3540	49	3	1993	DATE
fsr-3540	49	4	bennett	PERSON
fsr-3540	49	5	keane	PERSON
fsr-3540	49	6	mosser	PERSON
fsr-3540	49	7	1999	DATE
fsr-3540	49	8	1-2%	PERCENT
fsr-3540	51	1	chen	PERSON
fsr-3540	51	2	1997	DATE
fsr-3540	51	3	monthly	DATE
fsr-3540	52	1	1992	DATE
fsr-3540	52	2	monthly	DATE
fsr-3540	53	1	johnson	PERSON
fsr-3540	53	2	randle	ORG
fsr-3540	53	3	1996	DATE
fsr-3540	53	4	2003	DATE
fsr-3540	54	1	2003	DATE
fsr-3540	55	1	fortin	PERSON
fsr-3540	55	2	michelson	PERSON
fsr-3540	55	3	2007	DATE
fsr-3540	55	4	1	CARDINAL
fsr-3540	61	1	monthly	DATE
fsr-3540	65	1	monthly	DATE
fsr-3540	67	1	1	CARDINAL
fsr-3540	67	2	u.s.	GPE
fsr-3540	67	3	30-year	DATE
fsr-3540	68	1	april 1971	DATE
fsr-3540	68	2	december 2021	DATE
fsr-3540	69	1	freddie mac	ORG
fsr-3540	69	2	30-year	DATE
fsr-3540	70	1	31	CARDINAL
fsr-3540	70	2	2023	CARDINAL
fsr-3540	71	1	197–209 199	CARDINAL
fsr-3540	71	2	hoover	ORG
fsr-3540	71	3	2003	DATE
fsr-3540	72	1	fortin et al	PERSON
fsr-3540	73	1	2007	DATE
fsr-3540	73	2	months	DATE
fsr-3540	73	3	about 35	CARDINAL
fsr-3540	73	4	40%	PERCENT
fsr-3540	74	1	murphy	PERSON
fsr-3540	74	2	2010	DATE
fsr-3540	75	1	a simple 1%	PERCENT
fsr-3540	75	2	1980	DATE
fsr-3540	75	3	2007	DATE
fsr-3540	75	4	2%	PERCENT
fsr-3540	77	1	2008	DATE
fsr-3540	80	1	defusco	PERSON
fsr-3540	80	2	mondragon	PERSON
fsr-3540	80	3	2020	DATE
fsr-3540	80	4	fha	ORG
fsr-3540	80	5	march 2009	DATE
fsr-3540	80	6	1.3 million	CARDINAL
fsr-3540	80	7	fha	ORG
fsr-3540	80	8	15.6 million	CARDINAL
fsr-3540	81	1	six months before and six months	DATE
fsr-3540	81	2	fha	ORG
fsr-3540	81	3	slr	ORG
fsr-3540	82	1	late-2009	PRODUCT
fsr-3540	82	2	two	CARDINAL
fsr-3540	83	1	first	ORDINAL
fsr-3540	83	2	slr	ORG
fsr-3540	85	1	second	ORDINAL
fsr-3540	85	2	slr	ORG
fsr-3540	86	1	defusco	PERSON
fsr-3540	86	2	mondragon	PERSON
fsr-3540	86	3	2020	DATE
fsr-3540	86	4	u.s.	GPE
fsr-3540	89	1	defusco & mondragon	ORG
fsr-3540	89	2	2020	DATE
fsr-3540	89	3	2372	CARDINAL
fsr-3540	90	1	u.s.	GPE
fsr-3540	90	2	2008	DATE
fsr-3540	90	3	covid-19	ORG
fsr-3540	91	1	covid-19	PERSON
fsr-3540	91	2	2008	DATE
fsr-3540	92	1	two	CARDINAL
fsr-3540	92	2	2008	DATE
fsr-3540	93	1	200	CARDINAL
fsr-3540	93	2	31	CARDINAL
fsr-3540	93	3	2023	CARDINAL
fsr-3540	94	1	197–209 1	DATE
fsr-3540	95	1	u.s.	GPE
fsr-3540	95	2	around 10%	PERCENT
fsr-3540	95	3	october 2009	DATE
fsr-3540	95	4	more than five years	DATE
fsr-3540	95	5	2	CARDINAL
fsr-3540	96	1	covid-19	PERSON
fsr-3540	96	2	april 2020	DATE
fsr-3540	96	3	14.7%	PERCENT
fsr-3540	96	4	one year	DATE
fsr-3540	96	5	covid-19	DATE
fsr-3540	97	1	2	CARDINAL
fsr-3540	97	2	covid-19	DATE
fsr-3540	98	1	10 years ago	DATE
fsr-3540	98	2	goodman	ORG
fsr-3540	98	3	green, & wachter	ORG
fsr-3540	98	4	2021	CARDINAL
fsr-3540	99	1	ltv	ORG
fsr-3540	100	1	defusco	NORP
fsr-3540	100	2	mondragon	PERSON
fsr-3540	100	3	2020	DATE
fsr-3540	100	4	two	CARDINAL
fsr-3540	100	5	covid-19	PERSON
fsr-3540	101	1	u.s.	GPE
fsr-3540	102	1	golding et al	PERSON
fsr-3540	103	1	2021	CARDINAL
fsr-3540	103	2	3.0	CARDINAL
fsr-3540	104	1	three million	CARDINAL
fsr-3540	104	2	$53 billion	MONEY
fsr-3540	105	1	gerardi	PERSON
fsr-3540	105	2	2021	CARDINAL
fsr-3540	106	1	as much as $280	MONEY
fsr-3540	106	2	fannie	ORG
fsr-3540	106	3	freddie loans	ORG
fsr-3540	106	4	200	MONEY
fsr-3540	106	5	ginnie	ORG
fsr-3540	107	1	3	CARDINAL
fsr-3540	107	2	today	DATE
fsr-3540	108	1	the federal reserve	ORG
fsr-3540	108	2	2022	CARDINAL
fsr-3540	110	1	2	CARDINAL
fsr-3540	110	2	u.s.	GPE
fsr-3540	111	1	january 2000	DATE
fsr-3540	111	2	february 2022	DATE
fsr-3540	112	1	federal reserve bank	ORG
fsr-3540	112	2	st. louis	GPE
fsr-3540	113	1	31	CARDINAL
fsr-3540	113	2	2023	CARDINAL
fsr-3540	113	3	201	CARDINAL
fsr-3540	116	1	3.1	CARDINAL
fsr-3540	119	1	mclaughlin	GPE
fsr-3540	119	2	2019	DATE
fsr-3540	120	1	$150 to $400	MONEY
fsr-3540	122	1	monthly	DATE
fsr-3540	124	1	monthly	DATE
fsr-3540	125	1	30-year	DATE
fsr-3540	125	2	360-month	DATE
fsr-3540	125	3	200,000	MONEY
fsr-3540	125	4	4.99%	PERCENT
fsr-3540	126	1	monthly	DATE
fsr-3540	126	2	1072.42	MONEY
fsr-3540	127	1	one year	DATE
fsr-3540	127	2	40,000	MONEY
fsr-3540	128	1	2	CARDINAL
fsr-3540	128	2	alt-2	ORG
fsr-3540	129	1	first	ORDINAL
fsr-3540	129	2	40,000	MONEY
fsr-3540	130	1	monthly	DATE
fsr-3540	130	2	early, between months 238-239	DATE
fsr-3540	132	1	month 13	DATE
fsr-3540	132	2	monthly	DATE
fsr-3540	132	3	1072	MONEY
fsr-3540	132	4	855	MONEY
fsr-3540	132	5	348month	CARDINAL
fsr-3540	132	6	4.99%	PERCENT
fsr-3540	133	1	360-month	DATE
fsr-3540	134	1	3.2	CARDINAL
fsr-3540	136	1	ltv	ORG
fsr-3540	138	1	fannie	ORG
fsr-3540	138	2	freddie	ORG
fsr-3540	138	3	31	CARDINAL
fsr-3540	138	4	2023	CARDINAL
fsr-3540	139	1	197–209	CARDINAL
fsr-3540	139	2	ab le 2	ORG
fsr-3540	139	3	ec	ORG
fsr-3540	140	1	io	LOC
fsr-3540	143	1	io	LOC
fsr-3540	143	2	al r ec	ORG
fsr-3540	143	3	st p ri	GPE
fsr-3540	143	4	al e n	PERSON
fsr-3540	143	5	st p ri	GPE
fsr-3540	143	6	al e n	PERSON
fsr-3540	143	7	2	MONEY
fsr-3540	143	8	0	CARDINAL
fsr-3540	143	9	0 $ 1	MONEY
fsr-3540	143	10	2	MONEY
fsr-3540	143	11	0	CARDINAL
fsr-3540	143	12	0 $ 1	MONEY
fsr-3540	143	13	2	MONEY
fsr-3540	143	14	9 $ 1	MONEY
fsr-3540	143	15	2	MONEY
fsr-3540	143	16	9 $ 1	MONEY
fsr-3540	143	17	2	MONEY
fsr-3540	143	18	1	MONEY
fsr-3540	143	19	2	MONEY
fsr-3540	143	20	1	MONEY
fsr-3540	143	21	2	MONEY
fsr-3540	143	22	1	MONEY
fsr-3540	143	23	2	MONEY
fsr-3540	143	24	1	MONEY
fsr-3540	143	25	1	MONEY
fsr-3540	143	26	2	MONEY
fsr-3540	143	27	1	MONEY
fsr-3540	143	28	0 3 1 $ 1	MONEY
fsr-3540	143	29	2	MONEY
fsr-3540	143	30	0 3 1 $ 1	MONEY
fsr-3540	143	31	2	MONEY
fsr-3540	143	32	1	MONEY
fsr-3540	143	33	1	MONEY
fsr-3540	143	34	6 $ 1	MONEY
fsr-3540	143	35	1	MONEY
fsr-3540	143	36	1	MONEY
fsr-3540	143	37	7 $ 1	MONEY
fsr-3540	143	38	1	MONEY
fsr-3540	143	39	2	MONEY
fsr-3540	143	40	1	MONEY
fsr-3540	143	41	2	MONEY
fsr-3540	143	42	1	MONEY
fsr-3540	143	43	7 $ 2	MONEY
fsr-3540	143	44	1	MONEY
fsr-3540	143	45	0	CARDINAL
fsr-3540	143	46	1	MONEY
fsr-3540	143	47	7 $ 2	MONEY
fsr-3540	143	48	1	MONEY
fsr-3540	143	49	0	CARDINAL
fsr-3540	143	50	1	MONEY
fsr-3540	143	51	4 $ 2	MONEY
fsr-3540	143	52	1	MONEY
fsr-3540	143	53	4 $ 2	MONEY
fsr-3540	143	54	1	MONEY
fsr-3540	143	55	1	MONEY
fsr-3540	143	56	1 $ 2	MONEY
fsr-3540	143	57	1	MONEY
fsr-3540	143	58	1	MONEY
fsr-3540	143	59	1 $ 2	MONEY
fsr-3540	143	60	1	MONEY
fsr-3540	143	61	2	MONEY
fsr-3540	143	62	0 .9 6 $ 1	MONEY
fsr-3540	143	63	1	MONEY
fsr-3540	143	64	2	MONEY
fsr-3540	143	65	0 .9 6 $ 1	MONEY
fsr-3540	143	66	1	MONEY
fsr-3540	143	67	2 $ 2	MONEY
fsr-3540	143	68	1	MONEY
fsr-3540	143	69	1	MONEY
fsr-3540	143	70	2	MONEY
fsr-3540	143	71	1	MONEY
fsr-3540	143	72	0	CARDINAL
fsr-3540	143	73	4	MONEY
fsr-3540	143	74	0	CARDINAL
fsr-3540	144	1	0 4 4 $ 1	MONEY
fsr-3540	144	2	8 $ 1 5	MONEY
fsr-3540	144	3	0 4 4 $ 8	MONEY
fsr-3540	144	4	2	MONEY
fsr-3540	144	5	1 .6 8 $ 1 5	MONEY
fsr-3540	144	6	1	MONEY
fsr-3540	144	7	2	CARDINAL
fsr-3540	144	8	2	MONEY
fsr-3540	144	9	2	CARDINAL
fsr-3540	144	10	2 $ 1 5	MONEY
fsr-3540	144	11	2	CARDINAL
fsr-3540	144	12	3 $ 1	MONEY
fsr-3540	144	13	7 8 1 1	TIME
fsr-3540	144	14	8	MONEY
fsr-3540	144	15	6 $ 2	MONEY
fsr-3540	144	16	6 $ 1 5	MONEY
fsr-3540	170	1	2	CARDINAL
fsr-3540	170	2	2	MONEY
fsr-3540	170	3	4	CARDINAL
fsr-3540	170	4	0 3 $ 1	MONEY
fsr-3540	170	5	9 $ 1	MONEY
fsr-3540	170	6	1	MONEY
fsr-3540	170	7	3	CARDINAL
fsr-3540	170	8	$ 5 1	MONEY
fsr-3540	170	9	0 .9 2 $ 8 2	MONEY
fsr-3540	170	10	1	MONEY
fsr-3540	170	11	3	CARDINAL
fsr-3540	170	12	1	MONEY
fsr-3540	170	13	5	MONEY
fsr-3540	170	14	7 $ 1	MONEY
fsr-3540	170	15	2	MONEY
fsr-3540	170	16	4 $ 1	MONEY
fsr-3540	170	17	1	MONEY
fsr-3540	170	18	7	MONEY
fsr-3540	170	19	8 2 3	TIME
fsr-3540	170	20	4 $ 5	MONEY
fsr-3540	199	1	3	CARDINAL
fsr-3540	199	2	3	MONEY
fsr-3540	199	3	3	CARDINAL
fsr-3540	199	4	5 $ 2	MONEY
fsr-3540	199	5	5	CARDINAL
fsr-3540	199	6	2	MONEY
fsr-3540	199	7	5	CARDINAL
fsr-3540	199	8	7 $ 8	MONEY
fsr-3540	199	9	1	MONEY
fsr-3540	199	10	6 9 9 3	TIME
fsr-3540	199	11	1	MONEY
fsr-3540	199	12	6	CARDINAL
fsr-3540	199	13	6 $ 8	MONEY
fsr-3540	199	14	2 $ 3	MONEY
fsr-3540	199	15	4 $	MONEY
fsr-3540	199	16	o te	PERSON
fsr-3540	205	1	o rt	PERSON
fsr-3540	205	2	io n	FAC
fsr-3540	206	1	u le w h en	ORG
fsr-3540	206	2	0	CARDINAL
fsr-3540	207	1	li ed	PERSON
fsr-3540	208	1	io	LOC
fsr-3540	210	1	3	CARDINAL
fsr-3540	210	2	ea	CARDINAL
fsr-3540	210	3	o rt g ag e	PERSON
fsr-3540	211	1	ea	CARDINAL
fsr-3540	212	1	af te	PERSON
fsr-3540	212	2	io n	FAC
fsr-3540	213	1	31	CARDINAL
fsr-3540	213	2	2023	CARDINAL
fsr-3540	213	3	203	CARDINAL
fsr-3540	215	1	fha	ORG
fsr-3540	215	2	va	GPE
fsr-3540	215	3	pih	GPE
fsr-3540	216	1	fannie	ORG
fsr-3540	216	2	freddie	ORG
fsr-3540	216	3	ginnie mae	ORG
fsr-3540	218	1	ginnie	ORG
fsr-3540	219	1	ginnie mae	ORG
fsr-3540	221	1	one	CARDINAL
fsr-3540	224	1	monthly	DATE
fsr-3540	226	1	3	CARDINAL
fsr-3540	226	2	3.3	CARDINAL
fsr-3540	227	1	the last 12months	DATE
fsr-3540	227	2	more than 90 days	DATE
fsr-3540	228	1	more than 90 days	DATE
fsr-3540	230	1	at least $5,000 to $20,000	MONEY
fsr-3540	233	1	1	CARDINAL
fsr-3540	234	1	$150 to $500	MONEY
fsr-3540	235	1	today	DATE
fsr-3540	236	1	3	CARDINAL
fsr-3540	237	1	fannie	ORG
fsr-3540	237	2	ginnie	ORG
fsr-3540	237	3	fha	ORG
fsr-3540	237	4	va	GPE
fsr-3540	237	5	pih	GPE
fsr-3540	237	6	treece	PERSON
fsr-3540	237	7	2020	DATE
fsr-3540	237	8	2020	DATE
fsr-3540	238	1	204	CARDINAL
fsr-3540	238	2	31	CARDINAL
fsr-3540	238	3	2023	CARDINAL
fsr-3540	241	1	monthly	DATE
fsr-3540	242	1	five	CARDINAL
fsr-3540	243	1	4.1	CARDINAL
fsr-3540	243	2	1	CARDINAL
fsr-3540	243	3	one	CARDINAL
fsr-3540	243	4	one	CARDINAL
fsr-3540	245	1	one	CARDINAL
fsr-3540	246	1	fortin et al.	ORG
fsr-3540	246	2	2007	DATE
fsr-3540	247	1	alt-2	ORG
fsr-3540	247	2	monthly	DATE
fsr-3540	248	1	monthly	DATE
fsr-3540	249	1	first	ORDINAL
fsr-3540	249	2	alt-2	ORG
fsr-3540	251	1	monthly	DATE
fsr-3540	251	2	monthly	DATE
fsr-3540	253	1	4.2	CARDINAL
fsr-3540	253	2	2	CARDINAL
fsr-3540	254	1	lerner	PERSON
fsr-3540	254	2	2021	DATE
fsr-3540	256	1	two	CARDINAL
fsr-3540	256	2	31	CARDINAL
fsr-3540	256	3	2023	CARDINAL
fsr-3540	258	1	monthly	DATE
fsr-3540	261	1	4.3	CARDINAL
fsr-3540	261	2	3	CARDINAL
fsr-3540	262	1	monthly	DATE
fsr-3540	263	1	as early as age 62	DATE
fsr-3540	263	2	29%	PERCENT
fsr-3540	263	3	age 67	DATE
fsr-3540	263	4	2022	CARDINAL
fsr-3540	264	1	monthly	DATE
fsr-3540	267	1	monthly	DATE
fsr-3540	268	1	alt-2	ORG
fsr-3540	268	2	monthly	DATE
fsr-3540	269	1	month	DATE
fsr-3540	269	2	years	DATE
fsr-3540	270	1	4.4	CARDINAL
fsr-3540	271	1	4	CARDINAL
fsr-3540	273	1	monthly	DATE
fsr-3540	274	1	alt-2	ORG
fsr-3540	275	1	monthly	DATE
fsr-3540	277	1	4.5	CARDINAL
fsr-3540	277	2	5	CARDINAL
fsr-3540	278	1	ltv	ORG
fsr-3540	278	2	greater than 80%	PERCENT
fsr-3540	279	1	ltv	ORG
fsr-3540	279	2	80%	PERCENT
fsr-3540	280	1	1998	DATE
fsr-3540	280	2	206	CARDINAL
fsr-3540	280	3	31	CARDINAL
fsr-3540	280	4	2023	CARDINAL
fsr-3540	280	5	197–209	CARDINAL
fsr-3540	280	6	78%	PERCENT
fsr-3540	280	7	half	CARDINAL
fsr-3540	281	1	pmi	ORG
fsr-3540	281	2	two years	DATE
fsr-3540	281	3	ltv	ORG
fsr-3540	281	4	75%	PERCENT
fsr-3540	282	1	monthly	DATE
fsr-3540	282	2	monthly	DATE
fsr-3540	283	1	the 80%	PERCENT
fsr-3540	283	2	78%	PERCENT
fsr-3540	283	3	75%	PERCENT
fsr-3540	283	4	ltv	ORG
fsr-3540	283	5	alt-2	ORG
fsr-3540	284	1	1	CARDINAL
fsr-3540	284	2	monthly	DATE
fsr-3540	285	1	5	CARDINAL
fsr-3540	287	1	the 1980s	DATE
fsr-3540	288	1	1	CARDINAL
fsr-3540	289	1	covid-19	PERSON
fsr-3540	290	1	1-2	CARDINAL
fsr-3540	290	2	2022	CARDINAL
fsr-3540	291	1	monthly	DATE
fsr-3540	292	1	monthly	DATE
fsr-3540	293	1	u.s.	GPE
fsr-3540	294	1	today	DATE
fsr-3540	294	2	one	CARDINAL
fsr-3540	296	1	1	CARDINAL
fsr-3540	296	2	fannie mae	ORG
fsr-3540	296	3	freddie mac	ORG
fsr-3540	297	1	four	CARDINAL
fsr-3540	297	2	31	CARDINAL
fsr-3540	297	3	2023	CARDINAL
fsr-3540	298	1	197–209 207	QUANTITY
fsr-3540	299	1	fannie	ORG
fsr-3540	299	2	freddie credit	ORG
fsr-3540	300	1	fannie	ORG
fsr-3540	301	1	2	CARDINAL
fsr-3540	301	2	0.25% to 2%	PERCENT
fsr-3540	302	1	3	CARDINAL
fsr-3540	302	2	fha	ORG
fsr-3540	302	3	mip	ORG
fsr-3540	303	1	less than 10%	PERCENT
fsr-3540	303	2	mip	ORG
fsr-3540	303	3	mip	PERSON
fsr-3540	304	1	10%	PERCENT
fsr-3540	304	2	monthly	DATE
fsr-3540	304	3	mips	ORG
fsr-3540	304	4	11 years	DATE
fsr-3540	305	1	monthly	DATE
fsr-3540	306	1	bennett	PERSON
fsr-3540	306	2	keane	PERSON
fsr-3540	306	3	1999	DATE
fsr-3540	308	1	federal reserve bank	ORG
fsr-3540	308	2	new york	GPE
fsr-3540	308	3	5(4	CARDINAL
fsr-3540	309	1	brady	PERSON
fsr-3540	309	2	p. j.	PERSON
fsr-3540	309	3	g. b.	PERSON
fsr-3540	309	4	d. m.	PERSON
fsr-3540	309	5	2000	DATE
fsr-3540	311	1	federal reserve bulletin	ORG
fsr-3540	311	2	86	DATE
fsr-3540	311	3	441–450	CARDINAL
fsr-3540	312	1	chen	PERSON
fsr-3540	312	2	1997	DATE
fsr-3540	314	1	42	DATE
fsr-3540	314	2	44–48	DATE
fsr-3540	315	1	defusco	PERSON
fsr-3540	315	2	a. a.	PERSON
fsr-3540	315	3	j.	PERSON
fsr-3540	315	4	2020	DATE
fsr-3540	317	1	75	CARDINAL
fsr-3540	317	2	2327–2376	DATE
fsr-3540	317	3	fortin	PERSON
fsr-3540	317	4	r.	NORP
fsr-3540	317	5	michelson	PERSON
fsr-3540	317	6	s.	PERSON
fsr-3540	317	7	smith	GPE
fsr-3540	317	8	s. d., & weaver	PERSON
fsr-3540	317	9	w.	PERSON
fsr-3540	317	10	2007	DATE
fsr-3540	319	1	16	CARDINAL
fsr-3540	319	2	197–209	CARDINAL
fsr-3540	320	1	gerardi	PERSON
fsr-3540	320	2	k.	PERSON
fsr-3540	320	3	loewenstein	PERSON
fsr-3540	320	4	l., & willen	ORG
fsr-3540	320	5	p. s.	PERSON
fsr-3540	320	6	2021	CARDINAL
fsr-3540	322	1	31	CARDINAL
fsr-3540	322	2	51–65	DATE
fsr-3540	323	1	goodman	ORG
fsr-3540	323	2	l. s.	PERSON
fsr-3540	323	3	r., & wachter	ORG
fsr-3540	323	4	s.	PERSON
fsr-3540	323	5	2021	CARDINAL
fsr-3540	324	1	covid-19	ORG
fsr-3540	325	1	31	CARDINAL
fsr-3540	325	2	66–80	DATE
fsr-3540	326	1	2003	DATE
fsr-3540	328	1	12	CARDINAL
fsr-3540	328	2	319–337	CARDINAL
fsr-3540	329	1	johnson	PERSON
fsr-3540	329	2	r., & randle	ORG
fsr-3540	329	3	1996	DATE
fsr-3540	331	1	66	CARDINAL
fsr-3540	331	2	69–71	CARDINAL
fsr-3540	332	1	johnson	PERSON
fsr-3540	332	2	r., & randle	ORG
fsr-3540	332	3	2003	DATE
fsr-3540	334	1	73	CARDINAL
fsr-3540	334	2	60–61	CARDINAL
fsr-3540	334	3	lerner	PERSON
fsr-3540	334	4	m.	PERSON
fsr-3540	334	5	2021	CARDINAL
fsr-3540	336	1	washington	GPE
fsr-3540	336	2	https://www.washingtonpost.com/business/2021/03/24/recasting-is-anotherway-besides-refinancing-save-money-your-mortgage/ mclaughlin	ORG
fsr-3540	336	3	k. (	PERSON
fsr-3540	336	4	2019	DATE
fsr-3540	337	1	monthly	DATE
fsr-3540	338	1	the wall street journal	ORG
fsr-3540	340	1	2020	DATE
fsr-3540	343	1	a., & eugene	ORG
fsr-3540	343	2	1993	DATE
fsr-3540	345	1	15	CARDINAL
fsr-3540	346	1	c. c.	PERSON
fsr-3540	346	2	1992	DATE
fsr-3540	348	1	8	CARDINAL
fsr-3540	348	2	57–62	CARDINAL
fsr-3540	349	1	2022	CARDINAL
fsr-3540	352	1	05-10035	DATE
fsr-3540	353	1	208	CARDINAL
fsr-3540	353	2	31	CARDINAL
fsr-3540	353	3	2023	CARDINAL
fsr-3540	354	1	197–209	CARDINAL
fsr-3540	354	2	stolba	NORP
fsr-3540	354	3	s. l.	PERSON
fsr-3540	354	4	2021	CARDINAL
fsr-3540	356	1	americans	NORP
fsr-3540	356	2	k., & cetera	ORG
fsr-3540	356	3	2020	DATE
fsr-3540	358	1	forbes	PERSON
fsr-3540	358	2	s., & murphy	ORG
fsr-3540	358	3	a.	PERSON
fsr-3540	358	4	2010	DATE
fsr-3540	360	1	journal of housing research	ORG
fsr-3540	360	2	19	CARDINAL
fsr-3540	360	3	129–138	CARDINAL
fsr-3540	361	1	31	CARDINAL
fsr-3540	361	2	2023	CARDINAL