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The homeownership rate is broadly regarded by policymakers as a core measure of how well the US socioeconomic system is delivering a good quality of life for the typical…

The homeownership rate, among the thousands of statistics that the government produces to describe the country’s economic and social health, has an exalted place among…

These Issue Briefs, authored by Rachel Bratt, a Senior Research Fellow at the Joint Center for Housing Studies and former visiting scholar at the Federal Reserve Bank of…

Recent work has highlighted the significance of incarceration for wealth accrual and black-white gaps in homeownership, but the monetary sanctions and disruptions to…

Prior research suggests that comparison shopping for mortgages when purchasing a home helps secure a lower interest rate. In theory, the benefits of mortgage shopping should…

One of the justifications for federal involvement in the homeownership market is that it provides one of the few ways that low-income households can accumulate wealth. But…

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 compares actual wealth building outcomes in the Massachusetts Housing Partnership’s (MHP) subsidized ONE Mortgage Program to hypothetical outcomes for a borrower…

Previous studies of the financial constraints for homeownership attainment have found that cash grants to cover down payment and closing costs can fairly substantially…

Persistently large gaps in homeownership between whites and Hispanics are a major contributor to wealth inequality. This article considers whether Hispanics and whites are…