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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…

MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…

UCC08-13: In this paper, we review a wide variety of programs that are used to support savings by families, in particular by low- and moderate-income families. These…

UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…

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…