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Throughout the year, the Joint Center for Housing Studies reaches beyond the university to promote national discussion of important housing policy issues. In addition to on-campus seminars, lectures, and webcasts, we convene major conferences and symposia on topics of national importance in the housing field, bringing together housing practitioners, researchers, and policymakers from organizations and communities around the country.

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How Do Mortgage Refinances Affect Debt, Default, and Spending?

Date: Friday, November 30, 2018

How might refinancing a mortgage affect homeowners' financial situations? In this talk, Joshua Abel will discuss research that, using data from the Home Affordable Refinance Program (HARP) to identify the causal effect of refinancing a mortgage on borrower balance sheet outcomes, indicates that one average, refinancing into a lower-rate mortgage reduced borrowers' default rates on mortgage and non-mortgage debts by about 40 and 25 percent, respectively. ...


Symposium on Housing Tenure and Financial Security

Date: Thursday, March 21, 2019 to Friday, March 22, 2019

Location: Harvard University

Homeownership has long been a central pillar of financial security for American families. While considerable debate exists about the factors that influence households’ tenure decisions and the role(s) of housing wealth in household portfolios, homeownership’s inclusion in the American Dream reflects its close association with wealth creation and residential stability....