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OCCUPATION: individuals reported their job title, and employer. It was noted whether the individualworked for a level of govemment, or government agency.YRLYHHTOTAL ASSETSTOTAL LIABILITIESYRBUILT
4. Housing Characteristics
BRENTOWN: Individuals reported whether they rented or owned their current residence. There was ahigh level of consistency between the responses of both borrowers and co-borrowers. If data was miss-ing from the borrower's application, the co-borrower information was used.STHB: First-time Home-buyer: applicants were asked to indicate whether they were first time homebuyers. Information regarding the borrowers home buyer status was collected from two documents, andMonthly Housing Expenses: this included both current and estimated future monthly housing expenses
5. Property Characteristics
Land Status: Two land status variables were collected. One variable permitted only distinguishingbetween fee simple, and leasehold, while the other used appraisal information to determine the type ofrestricted land. Overall, the consistency between the two was fairly high, although three cases could notbe determined with certainty. The level of detail did not allow for the identification of different types ofrestricted land.Property ValueType of Structure: the type of housing unit was noted including whether the property was a mobile ormanufactured home.Year property built: the year the unit built was collectedBedroom size
6. Loan Characteristics
Amount of the loanPurpose of the loan: this variable was coded as purchase, construction, or refinanceInterest rateTerm of the loan
7. IHA Project Characteristics
Number of unitsAmount of the loanValue of the unit
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