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This paper compares actual wealth building outcomes in the Massachusetts Housing Partnership’s (MHP) subsidized ONE Mortgage Program to hypothetical outcomes for a borrower…

Previous studies of the financial constraints for homeownership attainment have found that cash grants to cover down payment and closing costs can fairly substantially…

The housing finance policy community had thrown around all sorts of ideas about how to move forward after the two GSEs were placed in conservatorship in the 2008 Financial…

Persistently large gaps in homeownership between whites and Hispanics are a major contributor to wealth inequality. This article considers whether Hispanics and whites are…

With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…

There are four big issues the Federal Housing Finance Agency, the regulator of Freddie Mac and Fannie Mae, will need to address to finalize its proposed minimum required…

The US Treasury released on September 5th its much-awaited plan for reform of the Government-Sponsored Enterprises (GSEs) of Freddie Mac and Fannie Mae. As directed by the…

As of 2016, close to 10 million older adults faced the threat of hunger in the US, constituting an urgent food policy issue. For older adults, heterogeneity in household…

When policymakers focus on legislative reform of the two major government-sponsored enterprises (GSEs), a core principle widely espoused is to increase competition, to get…

This paper examines contract for deed activity across six Midwestern states to improve our understanding of this market and the places in which this activity occurs. Using…