1. Three Essays on Mortgage Refinancing Open Access Author: Chang, Yan Title: Three Essays on Mortgage Refinancing Graduate Program: Business Administration Keywords: mortgagerefinanceborrower rationalityproduct choicemortgage points File: Download Three_Essays_on_Mortgage_Refinancing.pdf Committee Members: Abdullah Yavas, Committee Chair/Co-ChairAustin Jay Jaffe, Committee MemberKenneth Michael Lusht, Committee MemberN Edward Coulson, Committee Member