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W09-4: This paper uses data on house transactions in the state of Massachusetts over the last 20 years to show that houses sold after foreclosure, or close in time to…

In Our Communities, Our Homes: Pathways to Housing and Homeownership in America's Cities and States, Henry Cisneros, Jack Kemp, Kent Colton, and Nicolas Retsinas put…

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…

Today, more low-income Americans have greater access to credit than ever before, thanks in large part to the growth of global capital markets and liberal use of credit scores…

Debates about housing programs too often become mired in partisan battles instead of addressing innovative ways to solve housing problems as a country. Historically,…

BABC 04-1: This paper examines the nexus between the utilization of basic financial services, ownership of a transaction account, the creation and use of credit records…

W02-11: This paper explores advantages and disadvantages of manufactured housing for those entities whose mission is community development and asset building. Several…

A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities…

In November 1999, President Clinton signed into law financial modernization legislation (referred to herein as the Financial Modernization Act (FMA)), perhaps the most…