Author: Nicolas Paul Retsinas
Publisher: Brookings Institution Press
ISBN: 9780815706137
Category : Business & Economics
Languages : en
Pages : 520
Book Description
This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities.
Low-income Homeownership
Author: Nicolas Paul Retsinas
Publisher: Brookings Institution Press
ISBN: 9780815706137
Category : Business & Economics
Languages : en
Pages : 520
Book Description
This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities.
Publisher: Brookings Institution Press
ISBN: 9780815706137
Category : Business & Economics
Languages : en
Pages : 520
Book Description
This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities.
Low-Income Homeownership
Author: Nicolas P. Retsinas
Publisher: Brookings Institution Press
ISBN: 0815706030
Category : Political Science
Languages : en
Pages : 512
Book Description
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethnic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. The book is divided into five chapters which focus on the following subjects: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.
Publisher: Brookings Institution Press
ISBN: 0815706030
Category : Political Science
Languages : en
Pages : 512
Book Description
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethnic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. The book is divided into five chapters which focus on the following subjects: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.
Problems in the Homeownership Opportunities Program for Low-income Families, Department of Housing and Urban Development
Author: United States. General Accounting Office
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 60
Book Description
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 60
Book Description
Chasing the American Dream
Author: William M. Rohe
Publisher: Cornell University Press
ISBN: 1501731130
Category : Social Science
Languages : en
Pages : 326
Book Description
Providing decent, safe, and affordable housing to low- and moderate-income families has been an important public policy goal for more than a century. In recent years there has been a clear shift of emphasis among policymakers from a focus on providing affordable rental units to providing affordable homeownership opportunities. Due in part to programs introduced by the Clinton and Bush administrations, the nation's homeownership rate is currently at an all-time high. Does a house become a home only when it comes with a deed attached? Is participation in the real-estate market a precondition to engaged citizenship or wealth creation? The real estate industry's marketing efforts and government policy initiatives might lead one to believe so. The shift in emphasis from rental subsidies to affordable homeownership opportunities has been justified in many ways. Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans, or are its benefits undermined by the difficulties caused by unfavorable mortgage terms and by the poor condition or location of the homes bought? Chasing the American Dream provides a critical assessment of affordable homeownership policies and goals. Its contributors represent a variety of disciplinary perspectives and offer a thorough understanding of the economic, social, political, architectural, and cultural effects of homeownership programs, as well as their history. The editors draw together the assessments included in this book to prescribe a plan of action that lays out what must be done to make homeownership policy both effective and equitable.
Publisher: Cornell University Press
ISBN: 1501731130
Category : Social Science
Languages : en
Pages : 326
Book Description
Providing decent, safe, and affordable housing to low- and moderate-income families has been an important public policy goal for more than a century. In recent years there has been a clear shift of emphasis among policymakers from a focus on providing affordable rental units to providing affordable homeownership opportunities. Due in part to programs introduced by the Clinton and Bush administrations, the nation's homeownership rate is currently at an all-time high. Does a house become a home only when it comes with a deed attached? Is participation in the real-estate market a precondition to engaged citizenship or wealth creation? The real estate industry's marketing efforts and government policy initiatives might lead one to believe so. The shift in emphasis from rental subsidies to affordable homeownership opportunities has been justified in many ways. Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans, or are its benefits undermined by the difficulties caused by unfavorable mortgage terms and by the poor condition or location of the homes bought? Chasing the American Dream provides a critical assessment of affordable homeownership policies and goals. Its contributors represent a variety of disciplinary perspectives and offer a thorough understanding of the economic, social, political, architectural, and cultural effects of homeownership programs, as well as their history. The editors draw together the assessments included in this book to prescribe a plan of action that lays out what must be done to make homeownership policy both effective and equitable.
Homeownership Assistance for Purchase and Resale of Housing to Lower Income Families Under Sections 235 (j) and 221 (h)
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 102
Book Description
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 102
Book Description
Home Ownership for Low-income Families
Author: Charles L. Edson
Publisher:
ISBN:
Category : Economic assistance, Domestic
Languages : en
Pages : 106
Book Description
Publisher:
ISBN:
Category : Economic assistance, Domestic
Languages : en
Pages : 106
Book Description
The National Homeownership Strategy
Author: United States. Department of Housing and Urban Development
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 120
Book Description
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 120
Book Description
Homeownership for Low-income Families
Author: William Fiander
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 31
Book Description
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 31
Book Description
HOPE
Author:
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 36
Book Description
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 36
Book Description
A Few Thousand Dollars
Author: Robert E. Friedman
Publisher: The New Press
ISBN: 1620974045
Category : Political Science
Languages : en
Pages : 337
Book Description
A guide to making the U.S. economy work for everyone, by a leading advocate of asset development The majority of Americans do not have a few thousand dollars to weather an unexpected illness, job loss, or accident. Most Americans, including 80 percent of people of color, are locked out of the mainstream economy, unable to add their talents, work, and dreams, unable to share in the bounty of this economy. Without a nest egg most Americans cannot invest in their future—and the future of our country—through saving, entrepreneurship, education, and homeownership. We can—and we should—do better. Longtime leader in the field of asset-building Robert E. Friedman demonstrates how a few simple policy changes would address wealth inequality—and build a better economy and a stronger country for us all. In six sharp, compelling chapters, accented by sixteen original black-and-white illustrations by Rohan Eason that present the realities of income and asset inequality and explain the needed policy interventions, Friedman addresses savings, business, education, home, and prosperity to articulate a vision for making inclusive investments without spending an additional dollar, just by transforming tax subsidies for the wealthy few into seeds for prosperity for everyone. This is an investment with a huge return: the redemption of the American promise of prosperity for all.
Publisher: The New Press
ISBN: 1620974045
Category : Political Science
Languages : en
Pages : 337
Book Description
A guide to making the U.S. economy work for everyone, by a leading advocate of asset development The majority of Americans do not have a few thousand dollars to weather an unexpected illness, job loss, or accident. Most Americans, including 80 percent of people of color, are locked out of the mainstream economy, unable to add their talents, work, and dreams, unable to share in the bounty of this economy. Without a nest egg most Americans cannot invest in their future—and the future of our country—through saving, entrepreneurship, education, and homeownership. We can—and we should—do better. Longtime leader in the field of asset-building Robert E. Friedman demonstrates how a few simple policy changes would address wealth inequality—and build a better economy and a stronger country for us all. In six sharp, compelling chapters, accented by sixteen original black-and-white illustrations by Rohan Eason that present the realities of income and asset inequality and explain the needed policy interventions, Friedman addresses savings, business, education, home, and prosperity to articulate a vision for making inclusive investments without spending an additional dollar, just by transforming tax subsidies for the wealthy few into seeds for prosperity for everyone. This is an investment with a huge return: the redemption of the American promise of prosperity for all.