Seungbeom Kang, Jae Sik Jeon, Whitney Airgood-Obrycki
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July 4, 2023
Despite numerous studies and measures that quantify the extent of the shortage in affordable housing for low-income renter households, few studies address potential…
Whitney Airgood-Obrycki, Alexander Hermann, Sophia Wedeen
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February 12, 2022
The United States is in a housing affordability crisis, with nearly half of all renter households spending more than 30% of their incomes on rent and utilities each month.…
Whitney Airgood-Obrycki, Alexander Hermann, Sophia Wedeen
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January 13, 2021
Even before the COVID-19 pandemic, renters in the United States were facing a housing affordability crisis. Nearly a quarter of renter households were spending more than half…
Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
Whitney Airgood-Obrycki, Jennifer Molinsky
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April 2, 2019
Housing is a central component of family life and can provide a foundation for family well-being. While we typically think of family households as homeowners, renters are…
MF10-3: The recent tumult experienced by residential mortgage markets in the United States has left many struggling to determine what caused the crisis; what can be done…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
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…