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Keywords:Home ownership 

Journal Article
Sustaining homeownership: the experience of city-based affordable homeownership

Community Investments , Volume 21 , Issue Sum

Journal Article
Residential Mortgage Lending for Underserved Communities: Recent Innovations

As the United States continues to recover from its worst financial crisis since the 1930s, housing finance leaders from both the public and private sectors have diligently worked to develop programs, products, and services to safely expand access to affordable homeownership. Despite persistently low interest rates, relatively modest growth in home prices, and a strengthening labor market, purchase mortgage volume remains low compared to the pre-crisis and pre-bubble years, and the homeownership rate continues to fall. Factors contributing to the homeownership decline include the still ...
Profitwise , Issue 1 , Pages 11-19

Journal Article
Bureaucratic rent trends

Data suggest soft rental markets in the district.
Fedgazette , Volume 17 , Issue May , Pages 5

Journal Article
Shared equity housing: designed to last

An approach to affordable housing called shared equity promotes stewardship and mitigates against market fluctuations. Recent experience shows that owners are less likely to lose their homes to foreclosure.
Communities and Banking , Issue Fall , Pages 29-31

Working Paper
An analysis of the neighborhood impacts of a mortgage assistance program: a spatial hedonic model

Down-payment or closing-cost assistance is an effective program in addressing the wealth constraints of low- and moderate-income homebuyers. However, the spillover effect of such programs on the neighborhood is unknown. This paper estimates the impact of the City of Dallas Mortgage Assistance Program (MAP) on nearby home values using a hedonic model of home sales from 1990 to 2006. We define neighborhoods of 1,000 feet around each sale and estimate the average differences in sales prices between neighborhoods with various numbers of MAP properties before and after their appearance. We find ...
Working Papers , Paper 1001

Discussion Paper
The social impact of home rehabilitation in low-income neighborhoods

While economists and others have studied the impact of abandoned foreclosed homes on nearby home prices and crime, very few scholars have attempted to understand the impact of abandonment and rehabilitation on neighborhood social conditions. The foreclosure crisis of 2005-2010 led to a concentration of abandoned foreclosed homes in disadvantaged neighborhoods and these neighborhoods became the targets of a policy intervention, the Neighborhood Stabilization Program. This study employs a mixed-method longitudinal approach to investigate the impact of this foreclosed home rehabilitation policy ...
Public and Community Affairs Discussion Papers , Paper 2013-1

Journal Article
Close-knit neighborhoods

Home-buying trends carve new niches in home types.
Fedgazette , Volume 17 , Issue May , Pages 3

Helping Homeowners During the Covid-19 Pandemic: Lessons from the Great Recession

The Covid-19 public health crisis has sharply reduced the earnings of millions of U.S. households, following the severe curtailment of economic activity needed to contain the spread of the virus. Meanwhile, households continue to confront their ongoing financial obligations. The ability of households to manage these obligations has important consequences for the speed at which the U.S. economy can recover from the current crisis. Households that are wiped out financially in the coming months will not be in a position to strongly resume spending once the virus containment issues have passed. ...
Chicago Fed Letter , Issue 443

Journal Article
The Home ownership preservation initiative: a critical foreclosure intervention initiative seeks expanded role for mainstream mortgage servicers and adoption of new tools

In the current climate, the mission of HOPI takes on a much higher level of urgency. The graph in Exhibit 1 depicts the sharp increase in foreclosure starts1 city-wide in the past two years in particular. Foreclosure starts in Chicago rose approximately 40 percent from 2006 to 2007; and lower-income, underinvested communities, which describes all NHS target areas of Chicago, are impacted most severely, as they have higher concentrations of highcost mortgages, homes tend to remain vacant longer, and lower-income households have a more difficult time recovering from the effects of a foreclosure.
Profitwise , Issue Mar , Pages 1-4

Journal Article
One-stop home shop

Banking and Community Perspectives , Issue 2 , Pages 5



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