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Ep. 107: A Better Mortgage with Kevin Erdmann (Incentives Series pt. 9)
UCLA Housing Voice
UCLA Housing Voice
Ep. 107: A Better Mortgage with Kevin Erdmann (Incentives Series pt. 9)
Feb 05, 2026
Season 5
Episode 12
UCLA Lewis Center for Regional Policy Studies
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.
