Harvard Joint Center for Housing Studies
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September 6, 2004
Despite job losses in the rest of the economy, housing had another record-breaking year in 2003. Home sales, single-family housing starts, residential fixed investment,…
Harvard Joint Center for Housing Studies
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June 9, 2004
Mexico is at a crossroads. Restoration of macroeconomic stability and economic growth, coupled with strong commitment to housing reforms, provides the nation with a unique…
Harvard Joint Center for Housing Studies
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March 9, 2004
Today’s mortgage market bears little resemblance to the one that existed just a decade ago. Key changes include the increasing use of automated underwriting, credit scoring,…
BABC 04-1: This paper examines the nexus between the utilization of basic financial services, ownership of a transaction account, the creation and use of credit records…
Harvard Joint Center for Housing Studies
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November 30, 2003
The dream of equal, fair, and expanded access to credit in low-income communities was never more within the nation’s grasp. Three decades ago credit for home mortgages and…
Harvard Joint Center for Housing Studies
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June 1, 2003
Despite the 2001 recession and weak ensuing recovery, by most measures 2002 was the strongest year for housing on record. Residential investment, home sales, homeownership…
William Apgar, Allegra Calder, J. Michael Collins, Mark Duda
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November 30, 2002
W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…
Harvard Joint Center for Housing Studies
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June 4, 2002
With the economy emerging from its first recession in nearly a decade, the housing sector continues to display remarkable resilience. Even after the events of September 11th…
Harvard Joint Center for Housing Studies
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March 1, 2002
The United States Congress passed the Community Reinvestment Act (CRA) in 1977 to encourage depository institutions to meet the credit needs of lower-income communities. The…
Harvard Joint Center for Housing Studies
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June 11, 2001
Housing markets stood up well in 2000 despite growing uncertainty about the direction of the economy. After years of rapidly rising rents and home prices, however, housing…