HBTL-08: Public policies at the federal, state, and local levels have espoused to support homeowners and homeownership for decades. Yet, low-income people continue to…
W04-4: Since 1998 the Joint Center for Housing Studies at Harvard University, through its Remodeling Activity Indicator (RAI), has been releasing quarterly estimates of…
J. Michael Collins, Eric Belsky, Karl Case
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February 8, 2004
BABC 04-8: This paper explores the shift of residential mortgage lending from a system where credit was rationed to prime quality borrowers to a system where subprime…
Household’s net-worth increase at the end of the 1990’s had an effect on home remodeling financing. Using the 2001 Consumer Practices Survey (CoPS) this paper analyzes the…
This paper is divided in two sections. The first part describes the two-step allocation process, including the MLP model estimation for missing doers and the description of…
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…
Home improvement projects have a significant impact on the housing stock, affecting housing values and improving the standard of living. Also, the home improvement industry…
J. Michael Collins, David Crowe, Michael Carliner
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October 5, 2001
Much of homeownership research and policy focuses on financial or information barriers that might frustrate low-income renter households from buying a home. Given existing…
J. Michael Collins, Eric Belsky, Micky Tripathi
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July 15, 1999
W99-7: This paper provides a step-by-step approach to understanding and estimating the economic benefits of helping lower-income households buy and own their first home…
J. Michael Collins, Eric Belsky, Nicolas Retsinas
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November 15, 1998
W98-5: Although the federal government provides tax incentives for homeownership, current tax provisions provide few incentives for lower-income families to buy a home…