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Journal Article
Trends in home ownership
Gavin, William T. (2005-12)
National Economic Trends , Issue Dec

Journal Article
Enabling good housing decisions
Hussain, Waheed (2009-10)
To counteract clients? bad mortgage choices, community groups must first understand the emotional component of housing decisions. The author explains how choice architecture can help prospective homebuyers avoid mistakes.
Communities and Banking , Issue Fall , Pages 9-11

Working Paper
The Effects of the 1930s HOLC \"Redlining\" Maps
Mazumder, Bhashkar; Hartley, Daniel; Aaronson, Daniel (2017-09-17)
In the wake of the Great Depression, the Federal government created new institutions such as the Home Owners' Loan Corporation (HOLC) to stabilize housing markets. As part of that effort, the HOLC created residential security maps for over 200 cities to grade the riskiness of lending to neighborhoods. We trace out the effects of these maps over the course of the 20th and into the early 21st century by linking geocoded HOLC maps to both Census and modern credit bureau data. Our analysis looks at the difference in outcomes between residents living on a lower graded side versus a higher graded ...
Working Paper Series , Paper WP-2017-12

Journal Article
The rise in homeownership
Motika, Meryl; Doms, Mark (2006)
After decades of relative stability, the rate of U.S. homeownership began to surge in the mid-1990s, rising from 64% in 1994 to a peak of 69% in 2004, near which it has hovered ever since; this translates into 12 million more homeowners over the period. Understanding the forces behind such trends in homeownership is important not only because supporting homeownership has been an unequivocal public policy goal for decades but also because homes are an important part of people?s net worth and, therefore, can affect their spending, working, and saving decisions. ; In this Economic Letter, we ...
FRBSF Economic Letter

Journal Article
Federal Reserve : The CRA and the subprime crisis
Haltom, Renee Courtois (2010-10)
Related links: https://www.richmondfed.org/-/media/richmondfedorg/publications/research/econ_focus/2010/q4/federal_reserve_weblinks.cfm
Econ Focus , Volume 14 , Issue 4Q , Pages 6-9

Journal Article
Nontraditional mortgages: appealing but misunderstood
Chiu, Shirley (2006-12)
Nontraditonal mortgages offer potential benefits for home buyers in strong, stable housing markets. Various payment options increase flexibility and enable borrowers to significantly reduce payments in the short term. In rapidly appreciating housing markets, these options also allow borrowers with certain needs, such as those who must live in areas defined by their employers (e.g., police, municipal workers, etc.), to make home purchases where real estate price increases have outpaced their capacity to buy using conventional financing. These mortgages typically feature lower initial monthly ...
Profitwise , Issue Dec

Journal Article
Alternative IDs, ITIN mortgages, and emerging Latino markets
Gallagher, Mari (2005-03)
Mainstream financial institutions ? banks, savings and loans, and credit unions ? create and allocate capital and economic opportunities through their central and defining function of taking in deposits and making loans. This process determines where credit and capital will flow. As such, it shapes nearly every aspect of our social, economic, and built environment. Market forces and regulatory structures behind this flow are powerful and, at times, contentious. Banking practices and public policy influence one another continually, but are continually impacted most by emerging market ...
Profitwise , Issue Mar , Pages 2-8

Journal Article
Homeward bound : housing markets work just fine for most people. But certain markets in the Fifth District aren't producing homes and apartments that working families can afford
Gerena, Charles (2005-04)
Econ Focus , Volume 9 , Issue Spr , Pages 10-15

Journal Article
Homeowner subsidies
Ergungor, O. Emre (2011-02)
Though some programs that were created to promote homeownership in the United States, like Fannie Mae and Freddie Mac, have been harshly criticized in the wake of the housing crisis, we are likely to continue to provide some form of taxpayer-funded assistance to those who would become homeowners. Historically, assistance has taken the form of either interest rate or down-payment subsidies, but recent research suggests that down-payment subsidies are much more effective. They create successful homeowners?homeowners who keep their homes?at a lower cost.
Economic Commentary , Issue Feb

Journal Article
RHOPI perspectives: neighborhood housing services of Chicago
Wiggins, Christen (2009-12)
Over seven years ago, Neighborhood Housing Services of Chicago (NHS) increased substantially its focus on working to help victims of predatory lending avoid foreclosure. Well before the ?foreclosure crisis? was a national phenomenon, home owners, mostly in lower-income communities, were facing foreclosure at an increased rate due to the predatory practices of mortgage brokers peddling subprime loans with high interest rates. NHS identified this issue through its network of neighborhood offices, neighborhood staff, and advisory councils, and initiated the Home Ownership Preservation Initiative ...
Profitwise , Issue Dec , Pages 8-10

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