Stephanie Moulton, Roberto Quercia
•
October 26, 2013
HBTL-10: State Housing Finance Agencies (HFAs) entered the homeownership policy scene in the early 1970s through the sale of tax-exempt mortgage revenue bonds, which…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
•
April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
Roberto Quercia, Spencer Cowan, Ana Moreno
•
February 18, 2004
BABC 04-18: In this paper, we examine the cost-effectiveness of community-based foreclosure prevention interventions using two proxy measures: time to resolution and the…
J. Michael Collins, Eric Belsky, Karl Case
•
February 8, 2004
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…
William Apgar, Allegra Calder, J. Michael Collins, Mark Duda
•
November 30, 2002
W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…
J. Michael Collins, David Crowe, Michael Carliner
•
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…
Roberto Quercia, Michael Stegman, Walter Davis, Eric Stein
•
October 1, 2001
The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…