W05-11: Efforts to promote equal access to mortgage capital by racial and ethnic minorities have historically been a key component of the civil rights agenda in the…
Eric Belsky, Nicolas Retsinas, Mark Duda
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September 9, 2005
W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…
W05-8: The rapid rise in home prices in countries around the world has focused new attention on the role that housing and housing wealth plays in enhancing the financial…
W05-6: Homeownership has received great support from policy makers because of its perceived significant financial and social benefits for both individuals and…
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…
W04-12: The announcement of the NeighborWorks® Center for Homeownership Education and Counseling (NCHEC) presents a legitimate and appropriate opportunity to assess what…
Harvard Joint Center for Housing Studies
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September 6, 2004
Despite job losses in the rest of the economy, housing had another record-breaking year in 2003. Home sales, single-family housing starts, residential fixed investment,…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
BABC 04-22: Debtor protection rules ought to influence debtor/creditor interaction at three points: postdefault pre-foreclosure negotiations, the rate of default, and…
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…
