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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…

W05-7: The paper uses data from a household survey in Beijing to explore the impact of China’s two primary homeownership-oriented housing policies: the Housing Provident…

BABC 04-10: Spending financed by home equity extraction helps smooth household consumption and bolster the economy in economic downturns, but may reduce wealth…

W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…

The U.S. Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage depository institutions to meet the credit needs of lower income neighborhoods. The CRA was…

This paper examines trends in prime-market mortgage lending to low- and moderate-income families and to families living in underserved areas, hereafter affordable lending,…

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…

W01-8: Each year the federal government spends approximately $6 billion to rehabilitate the housing stock, which leverages a similar amount of spending from the private…