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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…

After setting records for home sales, single-family starts, and house price appreciation in 2005, housing markets abruptly reversed last year. In 2006, total home sales fell…

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…

W06-5: This paper examines the determinants of the ownership of multiple homes and the influence of multiple-homeownership on the income elasticity of housing demand. It…

The housing boom came under increasing pressure in 2005. With interest rates rising, builders in many states responded to slower sales and larger inventories by scaling back…

For decades, real estate and housing professionals have thought of the typical home buyer as a married couple, with or without children, either purchasing their first home or…

W05-11: Efforts to promote equal access to mortgage capital by racial and ethnic minorities have historically been a key component of the civil rights agenda in the…

W05-9: Efforts to promote low-income homeownership have intensified over the past ten years. Under both regulatory and market pressures, the mortgage finance industry…

W05-8: The rapid rise in home prices in countries around the world has focused new attention on the role that housing and housing wealth plays in enhancing the financial…

W05-6: Homeownership has received great support from policy makers because of its perceived significant financial and social benefits for both individuals and…