Marc HofstetterJorge TovarMiguel Urrutia2026-03-222026-03-22201110.2139/ssrn.1858065https://doi.org/10.2139/ssrn.1858065https://andeanlibrary.org/handle/123456789/62958enSubsidyInterest rateMortgage underwritingEconomicsSecondary mortgage marketCollateralized mortgage obligationShared appreciation mortgageMonetary economicsBusinessMortgage insuranceEffects of a Mortgage Interest Rate Subsidy: Evidence from Colombiaarticle