Kelly, Austin (2008): Skin in the Game: Zero down payment mortgage default. Forthcoming in: Journal of Housing Research , Vol. 17, No. 2 (April 2009): pp. 75-99.
Holden, Steve; Kelly, Austin; McManus, Doug; Scharlemann, Therese; Singer, Ryan and Worth, John (2011): The HAMP NPV model: development and early performance. Unpublished.
Kelly, Austin (2007): Zero down payment mortgage default. Unpublished.
