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Subsidization as Motor to Residential Mortgage Securitization in the US
Residential mortgage securitization on the secondary mortgage market in the United States has grown enormously since 1970. This contribution describes the growth, especially the growth of the large special circuit housing finance system within the ...
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Accession Number: 200861 | Publication Date: 2008 |
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Residential Satisfaction of Elderly Tenants in Apartment Housing
Previous research has demonstrated the persistently lower residential satisfaction of tenants as compared to homeowners. However, analysis of data from 41,198 US households indicates that this gap is heavily age dependent. After middle age, the ...
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Accession Number: 200860 | Publication Date: 2008 |
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Housing Cost Burden, Poverty Status, and Economic Hardship among Low-income Families
This study examined the relative effects of housing cost burden versus poverty thresholds to explain the economic hardship of low-income families and compared the differences in these effects among White, Black, and Hispanic families with children ...
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Accession Number: 200854 | Publication Date: 2008 |
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GSEs, Mortgage Rates, and Secondary Market Activities
Fannie Mae and Freddie Mac are government-sponsored enterprises (GSEs) that securitize mortgages and issue mortgage-backed securities (MBS). In addition, the GSEs are active participants in the secondary mortgage market on behalf of their own ...
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Accession Number: 200852 | Publication Date: 2008 |
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Connecting the Dots: A Location Analysis of USDA's Section 515 Rental Housing and Other Federally Subsidized Rental Properties in Rural Areas
The U.S. Department of Agriculture’s Section 515 program provides more than 400,000 decent, affordable rental homes for rural Americans with low incomes, but many of these rentals are now at risk. “Connecting the Dots” seeks to inform the debate on ...
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Accession Number: 200849 | Publication Date: 2008 |
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Out of Reach 2007-2008
Despite the emphasis on homeownership and the marginalization of renters, renter households still make up fully one-third of the households in the United States — more than 36 million households. Out of Reach is a side-by-side comparison of wages ...
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Accession Number: 200841 | Publication Date: 2008 |
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GSE Activity, FHA Feedback, and Implications for the Efficacy of the Affordable Housing Goals
There is a seeming paradox regarding the “affordable housing goals”: GSE activities in targeted communities have increased under the goals but there has been little measurable improvement in housing market conditions in these communities. This paper ...
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Accession Number: 200832 | Publication Date: 2008 |
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Good Intentions, Unintended Consequences: Impact of Adker Consent Decree on Miami-Dade County's Subsidized Housing
In this article, we assess the impact of the Adker consent decree, a federal desegregation agreement implemented since 1999. It requires that Miami-Dade County public-housing offers be initially made on the basis of race and that half of the ...
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Accession Number: 200831 | Publication Date: 2008 |
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Gentrification and the Racialized Geography of Home Equity
This article presents an exploration of how gentrification is restructuring racial disparity in home equity building across several U.S. metropolitan areas. I reveal some ways in which gentrification is affecting the relative wealth levels of Black ...
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Accession Number: 200830 | Publication Date: 2008 |
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Advantage or Disadvantage? The Changing Institutional Landscape of Underserved Mortgage Markets
This article argues that the resolution to the banking crisis after 1989 created a set of market rules promoting financial consolidation and giving large financial conglomerates competitive advantages that could allow them to more effectively tap ...
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Accession Number: 200825 | Publication Date: 2008 | | |
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