A generation ago in the US little attention was focused on low-income homeownership. Today homeownership rates among underserved groups - including low-income households and minorities - have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethinic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. It is divided into five chapters that focus on: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.
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"As a collection on careful empirical research on important dimensions related to the public policy question of whether we should promote homeownership among low-income families, this book is without peer." —Edward G. Goetz, University of Minnesota, Social Service Review, 12/1/2003
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"Habitat for Humanity is predicated on the premise that homeownership is a lofty and noble goal. Retsinas and Belsky have thoroughly examined the pertinent research and have offered the vision and substance so often missing in the rhetorical flourishes. " —Millard Fuller, Founder, Habitat for Humanity, 7/1/2002
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Inside This Book
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First Sentence:
Anthropologists point out that the notion of ownership is a cultural construct. Read the first page Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
underserved area shares, affordable segment, mortgage company subsidiaries, affordable lending, independent mortgage companies, housing wealth accumulation, been purchasing homes, continuing renters, future homeownership, homeownership project, affordability class, affordable shares, location control variables, origination amount, community lending products, terminated mortgages, generic pricing model, underserved mortgage markets, homeownership counseling, prepurchase counseling, homeownership units, marginal landlord, wasted interest, nonhousing wealth, flexible underwriting guidelines Key Phrases - Capitalized Phrases (CAPs): (learn more)
Fannie Mae, Los Angeles, African American, United States, Working Paper, Affordable Gold, American Housing Survey, Harvard University, New York City, Community Reinvestment Act, Housing Policy Debate, Van Order, Real Estate Economics, Census Bureau, Home Mortgage Disclosure Act, Mean Standard, New England Economic Review, Nehemiah Plan, Partnership New Homes, San Francisco, American Economic Review, Community Advantage, Nine Cities, Office of Federal Housing Enterprise Oversight, Salomon Brothers New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
Anthropologists point out that the notion of ownership is a cultural construct. Read the first page Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
underserved area shares, affordable segment, mortgage company subsidiaries, affordable lending, independent mortgage companies, housing wealth accumulation, been purchasing homes, continuing renters, future homeownership, homeownership project, affordability class, affordable shares, location control variables, origination amount, community lending products, terminated mortgages, generic pricing model, underserved mortgage markets, homeownership counseling, prepurchase counseling, homeownership units, marginal landlord, wasted interest, nonhousing wealth, flexible underwriting guidelines Key Phrases - Capitalized Phrases (CAPs): (learn more)
Fannie Mae, Los Angeles, African American, United States, Working Paper, Affordable Gold, American Housing Survey, Harvard University, New York City, Community Reinvestment Act, Housing Policy Debate, Van Order, Real Estate Economics, Census Bureau, Home Mortgage Disclosure Act, Mean Standard, New England Economic Review, Nehemiah Plan, Partnership New Homes, San Francisco, American Economic Review, Community Advantage, Nine Cities, Office of Federal Housing Enterprise Oversight, Salomon Brothers New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
Citations (learn more)
This book cites 41
books:
See all 41 books this book cites
5
books
cite this book:
- Real Estate: Aspen Roadmap Law Course Outline (Aspen Roadmap Law Course Outlines) by Robin Paul Malloy on 4 pages
- Real Estate by "George" on page 199, and Back Matter
- Homeowners and Neighborhood Reinvestment (Duke Press Policy Studies) by George C. Galster on page 404, and Back Matter
- Inner-City Poverty in the United States by Committee on National Urban Policy on page 404, and page 446
- Real Estate by James B. Kau on page 320, and page 347
See all 41 books this book cites
- Building Assets, Building Credit: Creating Wealth in Low-income Communities (James a. Johnson Metro Series) by Nicolas P. Retsinas on 9 pages
- Evaluating Gun Policy: Effects on Crime and Violence by Jens Ludwig in Front Matter
- The Geography Of Opportunity: Race And Housing Choice In Metropolitan America (James A. Johnson Metro) by William Julius Wilson (Foreword) Xavier De Souza Briggs (Editor) in Front Matter
- Growth Management and Affordable Housing: Do They Conflict? (James A. Johnson Metro) by Anthony Downs in Front Matter
- Still Stuck in Traffic: Coping with Peak-Hour Traffic Congestion (Revised) (James A. Johnson Metro) by Anthony Downs in Front Matter
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