Last year, James Shen, Chris Herbert and I co-authored a paper that showed that manufactured housing offers significantly reduced construction costs compared to conventional…
Manufactured housing holds promise as an affordable form of housing that could expand homeownership opportunities for low- and moderate-income households at a time when house…
Chris Herbert, Alexander Hermann, Daniel McCue, Chadwick Reed
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January 23, 2024
Manufactured housing holds promise as an affordable form of housing that could expand homeownership opportunities for low- and moderate-income households. This report reviews…
Across the US, homeownership is becoming increasingly inaccessible for low- and moderate-income households. While land costs are a driving force in this trend, construction…
Chris Herbert, Chadwick Reed, James Shen
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July 10, 2023
Manufactured housing holds promise as an affordable form of housing that could expand homeownership opportunities for low- and moderate-income households at a time when house…
MF10-7: This year marks the thirty-fifth anniversary of the Home Mortgage Disclosure Act (HMDA), a law designed to discourage redlining in mortgage lending and to…
MF10-4: There are three moving forces that are central to understanding the role of government sponsored institutions in the mortgage market. Understanding these forces…
UCC08-1: Americans are no stranger to debt. In 2004, 76.4 percent of all households reported some form of borrowing. Fully 46.2 percent of all households had at least…
William Apgar, Amal Bendimerad, Ren Essene
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April 25, 2007
For decades “fair lending” issues have received attention in both public policy arenas and the popular press, but the release of 2004 Home Mortgage Disclosure Act (HMDA) data…
Over the last two decades, the rise of risk based pricing, the growing importance of the secondary mortgage market, and the emergence of mortgage brokers in the marketing and…
