The Home Equity Lending Industry is the first public policy analysis of a rapidly growing sector of the housing finance system. It describes the homeowners who - despite impaired credit - have refinanced their mortgages in increasing numbers, outlines the terms on which they have been able to obtain loans, and summarizes the experience of lenders and borrowers after the mortgages have been issued. The study draws on new data sources to illuminate a market that has been ignored or discussed only in anecdotes.
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John C. Weicher is a senior fellow at the Hudson Institute, based in its Washington, D.C., office. He has served as Assistant Secretary at the U.S. Department of Housing and Urban Development and as professor of economics at Ohio State University and the University of California at Irvine.
About the Author
John C. Weicher joined Hudson Institute in 1993. Since then, he has been project director of Hudson’s Michigan Urban Policy Initiative, developing the first state-level urban housing strategy in the United States. The project recommendations were enacted by the Michigan legislature in the summer of 1999. Weicher was also a senior participant in Hudson’s Wisconsin welfare reform project, which led to the creation of the state’s pioneering “Wisconsin Works” program.
From 1989 to 1993, Weicher held the top policy position at the U.S. Department of Housing and Urban Development, serving as assistant secretary for Policy Development and Research. He served as chief economist at the U.S. Office of Management and Budget from 1987 to 1989, and as chief economist at HUD from 1975 to 1977. He also held the F.K. Weyerhaeuser Chair in Public Policy Research at the American Enterprise Institute.
Weicher has recently been appointed to the Millennial Housing Commission, created by Congress to analyze housing programs and make recommendations for change. Other professional activities include serving on the Committee of Urban Policy of the National Academy of Sciences and on the Advisory Committee of Population Statistics of the U.S. Census Bureau. He has been president of the American Real Estate and Urban Economics Association, the major organization for academic specialists in housing and housing finance.
PUBLICATIONS AND MEDIA EXPOSURE
Weicher has written or edited twelve books, including Privatizing Subsidized Housing (American Enterprise Institute, 1997), The Home Equity Lending Industry: Refinancing Mortgages for Borrowers with Impaired Credit (Hudson Institute, 1997), and The Distribution of Wealth: Increasing Inequality? (American Enterprise, 1996). He has written numerous articles in both scholarly and popular publications, and testified frequently before Congressional committees.
Hudson Institute is an internationally recognized public policy research organization that forecasts trends and develops solutions for governments, businesses and the public. Founded in 1961 by the late Herman Kahn, the Indianapolis-based not-for-profit 501(c)(3) organization has more than 70 researchers and employees at its eight offices worldwide.
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