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Journal Article
Recent trends in homeownership
Gavin, William T.; Garriga, Carlos; Schlagenhauf, Don E. (2006-09)
The homeownership rate began to trend upward in 1995 after years of being relatively constant, near 64 percent. This article describes recent changes in the share of U.S. housing that is owner-occupied and explores the reasons for the surprising rise over the past decade. Explanations that have been offered include demographics, low mortgage rates, changes in housing policy, and innovations in the mortgage financial market. Of all these explanations, the most plausible one is that innovations in the financial markets increased access to mortgage finance, mainly by reducing downpayment ...
Review , Volume 88 , Issue Sep , Pages 397-412

Journal Article
One-stop home shop
anonymous (1999)
Banking and Community Perspectives , Issue 2 , Pages 5

Journal Article
Bureaucratic rent trends
Wirtz, Ronald A. (2005-05)
Data suggest soft rental markets in the district.
Fedgazette , Volume 17 , Issue May , Pages 5

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
RHOPI perspectives: the Chicago Community Trust
Requejo, Robert (2009-12)
Starting in the second half of 2007,the foreclosure crisis spread quickly across the Chicago area, seriously affecting communities of color and vulnerable populations. Although some public, private, and nonprofit responses to the growing foreclosure crisis in the Chicago area had started to develop in mid-2008, most of these responses seemed to be concentrated in the city of Chicago and a few nearby suburbs.The Chicago Community Trust (Trust), in collaboration with the MacArthur Foundation, commissioned the first region-wide report to catalogue those responses. Unsurprisingly, the study ...
Profitwise , Issue Dec , Pages 4-7

Working Paper
Monetary Policy and Home Buying Inequality
Ringo, Daniel R. (2023-01-20)
Does monetary policy influence who becomes a home owner? Home purchases by low- and moderate-income households may be particularly sensitive to mortgage interest rates, as these households’ budgets are tighter and they more frequently come up against binding payment-to-income ratio constraints in credit decisions. Exploiting the timing of high-frequency observations of mortgage applicants locking in their interest rates around monetary policy shocks, I find that a 1 percentage point policy-induced increase in mortgage rates lowers the presence of low-income households in the population of ...
Finance and Economics Discussion Series , Paper 2023-006

Journal Article
Section 8 Vouchers Make Home-Ownership Dreams a Reality
Community Development, Federal Reserve Bank of Dallas (2001)
Since March, the Waco Housing Authority has moved four families out of apartments and into houses under the Section 8 home-ownership option program. WHA is currently working to place 38 other families in new homes.
e-Perspectives , Volume 1 , Issue 6

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

Working Paper
The tax treatment of homeowners and landlords and the progressivity of income taxation
Garriga, Carlos; Chambers, Matthew; Schlagenhauf, Don E. (2007)
This paper analyzes the connection between the asymmetric tax treatment of homeowners and landlords and the progressivity of income taxation using a quantitative overlapping generations general equilibrium model with housing and rental markets. Our model emphasizes the determinants of tenure choice (own vs. rent) and the household decision to supply housing services to the rental market. This formulation breaks the link between the rental price and the equilibrium interest rate and, hence, the aggregate supply of rental property responds differently to the direction of rental price changes, ...
Working Papers , Paper 2007-053

Journal Article
Community Land Trust Model: Opportunities and Challenges of Preserving Affordable Housing
Hatcher, Desiree (2016)
At least a dozen low-income apartment buildings exclusively for seniors in Detroit?s midtown and downtown areas could convert to market rate apartments in the next ten years, forcing hundreds of seniors to find new homes. Many of the senior apartment buildings were filled in the 1980s when few people wanted to live downtown. Senior subsidies paid by the U.S. Department of Housing and Urban Development (HUD) comprise one way to keep a level of density in the central districts. Today, stories of young professionals unable to find affordable housing in these high-profile neighborhoods (known as ...
Profitwise , Issue 2 , Pages 18-23

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