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In the wake of the Great Recession, US monetary policy focused in large measure on purchases of mortgage-backed securities, with the goal of lowering mortgage rates. The…

This paper seeks to refine our understanding of how refinancing a mortgage affects household outcomes. This issue has attracted particular attention in the wake of the Great…

Today, when more than one in three American households live in rental housing, ongoing erosion in renter incomes combined with ever rising rents has pushed the number of…

End of year festivities and Congressional budget deliberations in 2012 unfortunately diverted attention away from the critical task of ensuring that all Americans have access…

During the past decade, the housing finance system contributed to a boom-and-bust cycle that triggered the greatest economic crisis since the 1930s. A brief but…

W12-2: This paper focuses on four critical policy challenges in the area of housing finance that were developed with input from the What Works Collaborative during the…

MF10-12: The recent financial crisis has led many to question how well businesses deliver consumer financial services and how well regulatory institutions address…

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…

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…