William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
Harvard Joint Center for Housing Studies
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February 8, 2007
Over the last decade, the US home improvement market nearly doubled in size to $280 billion. Indeed, the combination of low financing costs, strong growth in homeowner equity…
Harvard Joint Center for Housing Studies
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June 13, 2006
The housing boom came under increasing pressure in 2005. With interest rates rising, builders in many states responded to slower sales and larger inventories by scaling back…
Harvard Joint Center for Housing Studies
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March 8, 2006
In any given year, some 34 million US households make their homes in rental housing. Like the general population, renters are highly diverse in demographic and income terms,…
Harvard Joint Center for Housing Studies
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June 13, 2005
House prices, residential investment, and home sales all set records again in 2004. But higher short-term interest rates and the strongest one-year price appreciation since…
Harvard Joint Center for Housing Studies
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June 1, 2005
Chambers of commerce can play an important role in addressing workforce housing needs. Indeed, many of them are doing so --- particularly in communities in which high housing…
Harvard Joint Center for Housing Studies
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June 1, 2005
Even with the ups and downs of the broader economy, growth in spending on residential remodeling and repairs has been remarkably steady. In fact, the home improvement…
Eric Belsky, Jack Goodman, Rachel Bogardus Drew
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June 1, 2005
Difficulty affording housing is widely acknowledged as the most common housing problem in the United States. No matter how one chooses to measure the problem, it is clearly…
Centro de Investigacion y Documentacion de la Casa (CIDOC), Sociedad Hipotecaria Federal
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April 1, 2005
The development of the housing sector is a strategic factor for any nation’s economic and social growth. An efficient and accessible housing market reduces the effect and…