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Homeownership

The Shifting Profile of First-Time Homebuyers: 1997-2017

Authors: Shannon Rieger, Jonathan Spader, Sean Veal | August 21, 2019

Who are recent first-time homebuyers? What kinds of homes do they buy? And have the answers to these questions changed over time in response to demographic and economic shifts? These questions garner substantial media attention, but the availability of nationally representative data on the demographic and socioeconomic characteristics of first-time homebuyers and the physical attributes of their homes is limited. ...

How Do Mortgage Refinances Affect Debt, Default, and Spending? Evidence from HARP

Authors: Joshua Abel, Andreas Fuster | May 15, 2019

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 Recession, however, there is still not much clean evidence on the causal effects of refinancing on borrower outcomes, nor on the heterogeneity of these effects across different borrower types....

Strategies for Sustainable Growth in Community Land Trusts

Author: Aneliese Palmer | April 22, 2019

While there has been significant research on the formation and impact of Community Land Trusts (CLT), less has been written on either the obstacles that have stymied the growth of existing CLTs or the strategies used by the handful of CLT leaders who have significantly expanded their group’s housing portfolios....

A SHARED FUTURE: INCLUSION THROUGH HOMEOWNERSHIP

A SHARED FUTURE: INCLUSION THROUGH HOMEOWNERSHIP

Author: Colvin Grannum | May 16, 2018

Increasing and stabilizing homeownership is a tangible means of fostering inclusion in communities experiencing rising home values and gentrification pressures, such as Brooklyn's Bedford Stuyvesant neighborhood....

A SHARED FUTURE: EXPANDING ACCESS TO HOMEOWNERSHIP AS A MEANS OF FOSTERING RESIDENTIAL INTEGRATION AND INCLUSION

A SHARED FUTURE: EXPANDING ACCESS TO HOMEOWNERSHIP AS A MEANS OF FOSTERING RESIDENTIAL INTEGRATION AND INCLUSION

Author: Christopher Herbert | April 05, 2018

This paper, by Christopher Herbert, Managing Director of the Harvard Joint Center for Housing Studies, originally presented at A Shared Future...

A SHARED FUTURE: MINORITY BANKS, HOMEOWNERSHIP, AND PROSPECTS FOR NEW YORK CITY'S MULTI-RACIAL IMMIGRANT NEIGHBORHOODS

Author: Tarry Hum | December 20, 2017

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 Center for Housing Studies in April 2017. ...