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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…

UCC08-14: This paper concentrates on the management and mitigation of mortgage risks: the kind of credit risks that face the majority of indebted households. For several…

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…

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…

At the turn of the millennium, fully two-thirds of American households were owner-occupants. In addition, through the middle of the year in 2000, real home prices were rising…