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Much of homeownership research and policy focuses on financial or information barriers that might frustrate low-income renter households from buying a home. Given existing…

For the past three decades homeownership counseling has been an integral part of affordable lending in the United States. Myriad benefits have been attributed to these…

Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…

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,…

The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…

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…

W01-9: As metropolitan areas sprawl to greater and greater distances from traditional city centers, smart growth has captured the attention of the press, electorate, and…

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…

W01-6: This paper explores the relationship between housing and household wealth. Any such study encounters two challenges: measuring household wealth and tracing the…