Dr. Herbert was honored to testify in a Senate Banking, Housing, and Urban Affairs hearing, "The State of Housing 2023." In his testimony, he highlighted the nation’s…
Whitney Airgood-Obrycki, Bernadette Hanlon, Shannon Rieger
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April 3, 2020
Scholars conducting empirical research on U.S. suburbs must develop their own definition of suburbia. In this paper, we operationalize three suburban definitions commonly…
Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
Kristin Perkins, Michael Lear, Elyzabeth Gaumer
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May 27, 2016
Recent research suggests that foreclosures have negative effects on homeowners and neighborhoods. We examine the association between concentrated foreclosure activity and the…
NOTE: Since the publication of this report, JCHS Household Growth Projections have been updated with new projections that supersede those found in the paper below.…
There are many causes to the collapse of the housing market and the recent financial turmoil, but the contribution of the CRA appears marginal. While banks did engage in…
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…
Harvard Joint Center for Housing Studies
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November 30, 2003
The dream of equal, fair, and expanded access to credit in low-income communities was never more within the nation’s grasp. Three decades ago credit for home mortgages and…
In 2001, there were over 5.7 million foreign-born1 homeowners living in the United States, with $1.2 trillion in aggregate house value and $876 billion in home equity. More…
Eric Belsky, Michael Schill, Anthony Yezer
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August 25, 2001
This analysis considers the extent to which the Community Reinvestment Act has led institutions under its authority to increase the number of home purchase mortgage loans to…