UCLA Housing Voice Author: UCLA Lewis Center for Regional Policy Studies Why does the housing market seem so broken? And what can we do about it? UCLA Housing Voice tackles these questions in conversation with leading housing researchers, with each episode centered on a study and its implications for creating more affordable and accessible communities. Be a guest on this podcast Language: en-us Genres: Government, Science, Social Sciences Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: Get all podcast data

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Ep. 107: A Better Mortgage with Kevin Erdmann (Incentives Series pt. 9)
Episode 12
Thursday, 5 February, 2026

Fixed-rate mortgages are expensive, but adjustable-rate mortgages are volatile — but do they have to be? Kevin Erdmann pitches an alternative that captures the best qualities of both. This is part 9 of our series on misaligned incentives in housing policy.Show notes:Erdmann, K. (2021). A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal. Mercatus Center.UCLA Housing Voice episode 106: Mortgage Lending Standards with Kevin Erdmann.

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