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There is a growing recognition that zoning reform alone won’t solve the housing crisis. It can certainly create an onramp for more, and better, housing construction but it’s…

What is the effect of mortgage debt reductions that reduce payments in the long-term but not in the short-term? In a new paper using data from a recent government…

This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…

HBTL-13: This paper addresses the expansion and performance of non-traditional mortgage lending products to better understand the impact of such products on borrowers…

W13-7: What is the incidence of housing vouchers? In a frictionless, price-taking equilibrium, increased generosity of a narrowly-targeted subsidy causes increases in…