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Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis

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Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis

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    Available in PDF Format | Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis.pdf | Unknown
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The ups and downs in housing markets over the past two decades are without precedent, and the costs ?financial, psychological, and social ?have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. Eric Belsky, Christopher Herbert, and Jennifer Molinsky have assembled a team of specilaists to reexamine the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis.ContentsIntroduction: Low-Income Homeownership at a Crossroads Making the Case for Home Ownership as a Policy Goal 1. Homeownership, Wealth, and the Production of Racialized Space2. Is Homeownership Still an Effective Means of Building Wealth for Low-Income and Minority Households? Was It Ever?3. Reexamining the Social Benefits of Homeownership after the Housing Crisis Supporting the Home Buying Process 4. To Buy or Not to Buy? Understanding Tenure Preferences and the Decisionmaking Processes of Lower-Income Households5. Developing Effective Subsidy Mechanisms for Low-Income Homeownership6. Filling the Void Between Homeownership and Rental Housing Balancing Affordability, Access, and Risk7. Standards, Loan Products, and Performance: What Have We Learned?8. The Evolving Role of State Housing Finance Agencies9. Mortgage Default Option Mispricing and Procyclicality The Government's Role in the Evolving Mortgage Market 10. Rethinking Duties to Serve in Housing Finance11. What Role Has the Government Played in Creating a Dual Mortgage Market in the Past and How Likely Is One to Emerge in the Future?12. The Role of Mortgage Finance in Financial (In)Stability Sustaining Homeownership 13. Protecting Homeowners, Post-Purchase: Lessons Learned14. The Home Mortgage Foreclosure Crisis: Lessons Learned  
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  • PDF | 384 pages
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  • Brookings Institution Press with the Joint Center for Housing Studies of Harvard University
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  • 7
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