Ep. 107: A Better Mortgage with Kevin Erdmann (Incentives Series pt. 9)

from UCLA Housing Voice · host 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.

What this episode covers

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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Ep. 107: A Better Mortgage with Kevin Erdmann (Incentives Series pt. 9)

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How long is this episode of UCLA Housing Voice?

This episode is 45 minutes long.

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This episode was published on February 5, 2026.

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