A Model of Mortgage Default
John Campbell, João Cocco
Journal of Finance, vol. 70, 2015, p. 1495-1554.

How Do House Prices Affect Consumption? Evidence from Micro Data
John Campbell, João Cocco
Journal of Monetary Economics, vol. 54, 2007, p. 591-621.

Household Risk Management and Optimal Mortgage Choice
John Campbell, João Cocco
Quarterly Journal Of Economics, vol. 118, 2003, p. 1449-1494.