In the 1980s, nearly one in five Americans moved every year. About one in ten Americans moved between 2018 and 2019. Residential mobility rates have been falling for decades…
Whitney Airgood-Obrycki, Bernadette Hanlon, Shannon Rieger
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April 3, 2020
Scholars conducting empirical research on U.S. suburbs must develop their own definition of suburbia. In this paper, we operationalize three suburban definitions commonly…
Hyojung Lee, Dowell Myers, Johanna Thunell, Julie Zissimopoulos
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March 1, 2020
This study examines the role of direct parental assistance in their adult children's home buying, net of other resources. Past research has cited the importance of down…
Credit risk transfer (CRT) has become, in relatively quick order, a core component of the business model of the two Government-Sponsored Enterprises (GSEs), Freddie Mac and…
Fannie Mae and Freddie Mac, the two Government-Sponsored Enterprises (GSEs), are required by law to be residential mortgage monolines. However, after the 2008 Financial…
As 2019 ends, the two Government-Sponsored Enterprises (GSEs) Freddie Mac and Fannie Mae finally have some momentum in ending their conservatorships, the legal status under…
A significant feature of America’s residential mortgage system is its heavy politicization. This case study is about one long-running, specific aspect of that politicization…
The housing finance policy community had thrown around all sorts of ideas about how to move forward after the two GSEs were placed in conservatorship in the 2008 Financial…
Michael Stegman, Richard Cooperstein
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October 9, 2019
With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…
There are four big issues the Federal Housing Finance Agency, the regulator of Freddie Mac and Fannie Mae, will need to address to finalize its proposed minimum required…