{"id":"W4396941914","doi":"10.2139/ssrn.4829611","title":"Optimal Mortgage Refinancing with Inattention","year":2024,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":false,"ca_institutions":"Kellogg's (Canada)","funders":"","keywords":"Shared appreciation mortgage; Business; Mortgage underwriting; Collateralized mortgage obligation; Financial system; Economics; Actuarial science; Monetary economics; Mortgage insurance","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002290748,0.0007872157,0.002272681,0.0003666346,0.0003853074,0.00224368,0.001126627,0.001926215,0.005978913],"category_scores_gemma":[0.01346767,0.0007643754,0.0004059449,0.0002631154,0.0009910597,0.002350972,0.001078373,0.002020615,0.0004165648],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000794146,"about_ca_system_score_gemma":0.001395238,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.003335697,"about_ca_topic_score_gemma":0.002292918,"domain_scores_codex":[0.9993144,0.0002551373,0.0000460989,0.0001357467,0.0000408261,0.0002077893],"domain_scores_gemma":[0.9968629,0.001631238,0.000635813,0.0001851465,0.0002018469,0.0004831239],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.008536127,0.001645689,0.0165589,0.0008591278,0.0002225506,0.003326908,0.0006217472,0.6164886,0.01570909,0.2199544,0.01798155,0.09809532],"study_design_scores_gemma":[0.0007366981,0.001090349,0.01077831,0.00009329845,0.0001495898,0.0004038979,0.0007286325,0.8533133,0.002689118,0.1273098,0.002638122,0.00006891551],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.902506,0.001726935,0.06826983,0.004740869,0.000343922,0.0001193321,0.0005165151,0.0004298135,0.02134683],"genre_scores_gemma":[0.9929318,0.0001853836,0.002714712,0.00007279769,0.00008968422,0.00001519449,0.00008493481,0.00002642393,0.00387903],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.005978913,"threshold_uncertainty_score":0.02000147,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01062630507199056,"score_gpt":0.198755969499126,"score_spread":0.1881296644271354,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}