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The homeownership rate, among the thousands of statistics that the government produces to describe the country’s economic and social health, has an exalted place among…

Owning a home has the potential to provide older adults with higher levels of financial security, housing stability, and housing quality. Given that a large majority of older…

These Issue Briefs, authored by Rachel Bratt, a Senior Research Fellow at the Joint Center for Housing Studies and former visiting scholar at the Federal Reserve Bank of…

This study examines the role of direct parental assistance in their adult children's home buying, net of other resources. Past research has cited the importance of down…

Recent work has highlighted the significance of incarceration for wealth accrual and black-white gaps in homeownership, but the monetary sanctions and disruptions to…

Prior research suggests that comparison shopping for mortgages when purchasing a home helps secure a lower interest rate. In theory, the benefits of mortgage shopping should…

This literature review provides an overview of existing literature on the topic of shared equity housing programs in the US. It seeks to identify common elements, benefits,…

One of the justifications for federal involvement in the homeownership market is that it provides one of the few ways that low-income households can accumulate wealth. But…

The US Department of Veterans Affairs (VA) home loan guaranty program lowers the cost of homeownership for veterans and their families by removing the barriers of a down…

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