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W13-1: With house prices falling nationally by more than 30 percent from 2006 to 2011 and foreclosures soaring, many have started to write the obituary on homeownership…

The boom and bust in nonprime and nontraditional mortgage lending in the United States is without precedent. The factors that fueled the boom and the way it unfolded sowed…

UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…

W06-5: This paper examines the determinants of the ownership of multiple homes and the influence of multiple-homeownership on the income elasticity of housing demand. It…

W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…

BABC 04-8: This paper explores the shift of residential mortgage lending from a system where credit was rationed to prime quality borrowers to a system where subprime…

This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…

Despite an unprecedented boom in homeownership that added seven million net new owners between 1994 and 1999 and drove the homeownership rate nearly three percentage points…

W99-2: In spite of warnings to exercise caution when using the Current Population Survey to track trends between 1993 and later years because of major changes since 1994…