Marsha Courchane, Leonard Kiefer, Peter Zorn
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November 12, 2013
HBTL-11: Responses to the mortgage market crisis of the past decade led to myriad changes in the structure of the industry, expanded market regulations, and resulted in…
W13-8: The recent housing bust precipitated a wave of mortgage defaults, with over seven percent of the owner-occupied housing stock experiencing a foreclosure.…
Stephanie Moulton, Roberto Quercia
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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…
HBTL-09: Dual mortgage markets are a direct descendent of key policy responses to the Great Depression. Prior to the Depression, nearly all mortgages were five-…
Chris Herbert, Lauren Lambie-Hanson, Irene Lew, Rocio Sanchez-Moyano
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October 23, 2013
W13-6: As the housing bust accelerated in 2008, concerns mounted about the impact of rising foreclosure levels on low-income and minority communities where nonprime…
HBTL-05: This paper discusses links among three familiar developments in US housing markets over the last quarter century: ongoing “sprawl” of housing units away from…
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…
Harvard Joint Center for Housing Studies
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June 26, 2013
The long-awaited housing recovery finally took hold in 2012, heralded by rising home prices and further rental market tightening. While still at historically low levels,…
W13-2: Investing in single-family homes is not a new business. However, the magnitude of homes flowing through foreclosure and into investor ownership since 2007 in many…
W12-9: How and why American housing policy got so complicated are questions scholars have largely neglected to answer. Historians, for their part, have conceived…