I am on the 2023-2024 academic job market.

I am a Ph.D. candidate in the Joint Program in Financial Economics at the University of Chicago.

Job Market Paper: Contractual Lock-in: Mortgage Prepayment Penalties and Mobility.

Profile: CV,  LinkedIn, Twitter.

Research Interests: Real Estate, Banking, Household Finance, Corporate Finance.

Email: varleym0[at]chicagobooth.edu.