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HBTL-11: Responses to the mortgage market crisis of the past decade led to myriad changes in the structure of the industry, expanded market regulations, and resulted in…

W09-5: NOTE: Since the publication of this report, JCHS Household Growth Projections have been updated with new projections that supersede those found in the paper below…

W05-5: Minority growth in population and households, both in absolute numbers and relative share, has been one of the nation’s most important demographic changes over…

W05-1: Several roles that housing plays in the household economics of homeowners have begun to fundamentally change during the past decade. Cohorts approaching…

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…

This paper examines the differential home mortgage termination experience of “affordable housing” households in the United States from 1985 to 1995. Using five two-year…

This paper addresses several basic questions regarding second homes: what is or should be counted as a second home; how many second homes exist in the United States; where…

W01-4: Home ownership differentials are both a consequence and a cause of social inequality in the United States. Differences in income, wealth, education, family…

This paper attempts to further clarify the findings of Joseph Gyourko and Peter Linneman in “The Changing Influences of Education, Income, Family Structure, and Race on…