This paper seeks to refine our understanding of how refinancing a mortgage affects household outcomes. This issue has attracted particular attention in the wake of the Great…
Community land trusts (CLTs) are place-based nonprofits that hold land in perpetuity on behalf of a community. CLTs can help preserve affordability in hot markets and help…
Increasing and stabilizing homeownership is a tangible means of fostering inclusion in communities experiencing rising home values and gentrification pressures, such as…
This paper, by Christopher Herbert, Managing Director of the Harvard Joint Center for Housing Studies, originally presented at A Shared Future: Fostering Community of…
This paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard Joint…
This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
Jonathan Spader, Daniel McCue, Chris Herbert
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December 12, 2016
Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…