Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…
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…