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Non-Urban Policies as Urban Policies
In this paper, I analyze urban effects of government programs. I will be concerned primarily with spatial effects of programs. Some programs may induce too many or too few activities or people to locate in urban areas or in large metropolitan areas ...
Author(s): Edwin Mills
Accession Number: 200911 | |
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Mortgage Market Channels and Fair Lending: An Analysis of HMDA Data
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 with loan pricing information has sparked a new round of discussion. Using ...
Author(s): William Apgar, Amal Bendimerad, Ren Essene
Accession Number: 200910 | |
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Housing Wealth and Retirement Savings: Enhancing Financial Security for Older Americans
Given the importance of housing wealth as an overall component of the wealth holdings of older homeowners, until recently, surprisingly little was known about how housing wealth influences the consumption and investment decisions of households, ...
Author(s): William Apgar, Zhu Xiao Di
Accession Number: 200909 | |
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Housing tenure choice
This article revisits the microeconomics of housing tenure choice. It asks, How does a rational consumer make housing tenure decisions? The article builds on earlier papers on the subject in two ways. First, it brings together all relevant ...
Author(s): Edwin Mills
Accession Number: 200908 | |
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Housing Patterns and Correlates of Homelessness Differ by Gender among Individuals Using San Francisco Free Food Programs
Homeless individuals experience high rates of morbidity and mortality, yet many homeless studies include small percentages of female participants. We therefore sought to determine correlates of homelessness separately for men and women in a sample ...
Author(s): Torsten Neilands
Accession Number: 200907 | |
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Homelessness Prevention: The Effect of a Shallow Rent Subsidy Program on Housing Outcomes among People with HIV or AIDS
This paper presents results of an evaluation of Project Independence (PI), a shallow rent subsidy program with services coordination support for very low income people with HIV or AIDS who live in Alameda County in the San Francisco Bay Area. By ...
Author(s): Lisa Dasinger, Richard Speiglman
Accession Number: 200906 | |
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Has the United States Overinvested in Housing?
Several economists have concluded that housing investment has been excessive relative to industrial investment in the U.S. Most blame provisions of the federal income tax that favor owner-occupied housing. This paper poses the question within a ...
Author(s): Edwin Mills
Accession Number: 200905 | |
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Essential Function Bonds: An Emerging Tool for Affordable Housing Finance
This report summarizes the findings of a Joint Center for Housing Studies survey of the use and performance of Essential Function Bonds [EFB]….[T]he report that briefly summarizes the nation’s continuing affordable housing challenges and the ...
Author(s): William Apgar, Emily Whiting
Accession Number: 200904 | |
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Enhancing Access to Capital for Smaller Unsubsidized Multifamily Rental Properties
This paper will explore the potential for developing innovative new housing and capital market strategies targeted to the small, unsubsidized multifamily rental stock. It will use the Residential Finance Survey and other data to examine the ...
Author(s): William Apgar, Shekar Narasimhan
Accession Number: 200903 | |
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Credit, Capital and Communities: The Implications of the Changing Mortgage Banking Industry for Community Based Organizations
Recognizing the fact that many CBOs [community based organizations] continue to do business as they have for decades, this report examines factors that limit the willingness and ability of CBOs to adapt to the changing market environment. The ...
Author(s): Allegra Calder, William Apgar, Gary Fauth
Accession Number: 200902 | |
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