Alexander von Hoffman, Matthew Arck
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June 13, 2019
This brief describes five novel and replicable programs that are providing housing for low- and moderate-income Americans. These programs were created by collaborations of…
A history of affordable housing policy in the United States, and efforts to preserve affordable housing units in recent decades.
Starting in the 1960s, the United…
W12-5: History offers valuable lessons to policy makers. Among other lessons, it teaches us the reasons that the government adopted the programs that constitute the…
MF10-3: The recent tumult experienced by residential mortgage markets in the United States has left many struggling to determine what caused the crisis; what can be done…
Alexander von Hoffman, Eric Belsky, James DeNormandie, Rachel G. Bratt
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June 1, 2004
W04-5: This paper was prepared to provide background information for a conference sponsored by the Neighborhood Reinvestment Corporation entitled The Vitality of America…
Susan Wharton Gates, Cindy Waldron, Peter Zorn
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February 13, 2004
BABC 04-13: Automated underwriting (AU) systems have become a tool of choice in mortgage lending decisions. While AU provides significant benefits to mortgage…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…
W98-2: Although housing reform is generally associated with government programs enacted in the twentieth century, the concept of the slum--a residential environment that…