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With interest rates ticking upward in 2018 and the prospect of further rate increases to come, the era of historically-low mortgage rates may be ending. While many homeowners…

This framing paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard…

Residential segregation by race and ethnicity is a longstanding challenge in the United States, with the racial and economic geography of communities throughout the nation…

Following the rise and fall in the homeownership rate over the past two decades, considerable uncertainty exists about the future trajectory of the homeownership rate. This…

UCC08-6: This paper has two parts. First, we look at the various agents involved in the mortgage transaction—including borrowers, brokers, originators, rating agencies…

RR07-2: Where the poor live and why has an enormous impact on access to jobs, decent quality schools, and other local attributes that affect a family’s ability to rise…

Using data from the 1998 Survey of Consumer Finances (SCF), this paper estimates homeownership rates that would prevail in the United States if borrowing constraints were…