This research brief describes the direct and indirect energy cost burdens that renters face, and the disproportionate share of both total housing outlays and household income…
HBTL-14: In this paper, Reid reports on the findings from four focus groups and twenty individual interviews designed to examine how households make decisions about…
Andrew Davidson, Alex Levin, Susan Wachter
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November 13, 2013
HBTL-13: This paper addresses the expansion and performance of non-traditional mortgage lending products to better understand the impact of such products on borrowers…
Adam Levitin, Janneke Ratcliffe
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November 12, 2013
HBTL-12: If the housing crisis has had a silver lining, it is the opportunity to rethink our housing finance policy. The US housing finance system and its regulation…
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…
MISC13-1: Homeownership rates continue to plummet throughout the country, disproportionately penalizing African Americans, Hispanics, and younger people. Recent…
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.…
W13-7: What is the incidence of housing vouchers? In a frictionless, price-taking equilibrium, increased generosity of a narrowly-targeted subsidy causes increases in…
HBTL-08: Public policies at the federal, state, and local levels have espoused to support homeowners and homeownership for decades. Yet, low-income people continue to…
john a. powell, Kaloma Cardwell
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October 24, 2013
HBTL-07: Housing is key to the production of race in contemporary American society. Patterns of residential living not only shape and define the meanings of race,…
