I am a Ph.D. candidate in Economics, at the University of Delaware. My research interests are in the fields of Household Finance, Housing Policy, Mortgage Markets and Labor Economics.

In my job market paper, I explore how a new FHFA policy called the Adverse Market Refinance Fee (AMRF) impacted borrowers during the period it stayed in effect. The AMRF is equal to 0.5% of the value of a refinancing loan and was supposed to mitigate pandemic-related losses to the Government Sponsored Enterprises (GSEs).

I find that borrowers marginally bunch at the policy threshold of the AMRF to avoid the extra cost imposed on their refinance mortgage. I estimate bunching weights which in turn allow me to also get estimates of the Interest Rate Elasticity of Mortgage Refinancing Demand for the treated group.

Besides my research, my expertise spans causal inference, experimental design, statistical modeling, and policy analysis, with a focus on housing economics. I also specialize in estimating elasticities for strategic decision-making, time series forecasting, and developing both predictive analytics and causal inference models using Stata, R, and Python.