Michael Stegman, Richard Cooperstein
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October 9, 2019
With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…
HBTL-01: From 2007 through 2011, the United States housing market suffered from a severe imbalance in supply and demand. On the supply side, there were too many homes…
MF10-6: Since mid-2007, the federal government has devoted enormous sums of money and effort to foreclosure prevention. Washington’s approach to rising foreclosures has…
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…
Patricia McCoy, Elizabeth Renuart
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February 1, 2008
UCC08-5: In this chapter, we provide a critical analysis of the legal landscape of residential mortgage lending and explain how federal law abdicated regulation of the…
Raphael Bostic, Kathleen Engel, Patricia McCoy, Anthony Pennington-Cross, Susan Wachter
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February 1, 2008
UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…
Zhu Xiao Di, Ruby Henry, Eric Belsky, George Masnick
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July 1, 2005
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…
George Masnick, Zhu Xiao Di, Eric Belsky
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January 1, 2005
W05-1: Several roles that housing plays in the household economics of homeowners have begun to fundamentally change during the past decade. Cohorts approaching…
Zhu Xiao Di, Nancy McArdle, George Masnick
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February 15, 2001
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…