Harvard Joint Center for Housing Studies

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REPORTS & PAPERS

The State of the Nation's Housing 2020

This year, the COVID-19 pandemic, a powerful movement for racial justice, and the devastating impacts of climate change have combined to bring the nation’s longstanding housing challenges to the fore. The economic crisis has worsened rental affordability challenges and put homeowners at risk of foreclosure, widespread calls for racial justice have pointed out sharp disparities in access to decent affordable housing, and a series of powerful hurricanes and raging wildfires have shown how vulnerable the country is to the impacts of climate change. However, historically low interest rates, strength in the for-sale market and in homebuilding could lead a broader US economic recovery. 

What Should We Do with the GSEs? Common-Sense Reform Recommendations for the Biden Administration

The GSE reform question, i.e. how should the government-sponsored enterprises of Fannie Mae and Freddie Mac end their conservatorships, has proven to be one of the most vexing in Washington in the past decade. Don Layton concludes that the Biden administration, if it is to successfully address the GSE question, must follow one of two possible paths in the next twelve to twenty-four months.

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