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The Veteran’s Administration (VA) home loan program, which makes homeownership more affordable for veterans, is used more extensively in places closer to major military…

The US Department of Veterans Affairs (VA) home loan guaranty program lowers the cost of homeownership for veterans and their families by removing the barriers of a down…

This paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard Joint…

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…

W13-6: As the housing bust accelerated in 2008, concerns mounted about the impact of rising foreclosure levels on low-income and minority communities where nonprime…

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…

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…