Homeownership
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Lessons from Redlining: How We Can Prevent Climate-Driven Insurance Discrimination
As homeowners’ insurance companies and lenders increasingly factor climate risk into their business strategies, communities may see a resurgence of racial and economic exclusion that mimics redlining. But our hands aren’t tied—we can do something about it.
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The Dirty Little Secret—Rising Property Values Are Incompatible with Affordability
Rising property values come with positive community development, but this shift can make neighborhoods inaccessible to low-income renters and fixed-income homeowners.

The Racists Next Door: Black Homebuyers Face Discrimination After Purchasing, Too
The danger of unwelcoming neighbors should not be underestimated.

Homeowners Seeking Foreclosure Assistance Face Delays and Confusion in Many States
While a lot of attention has been paid to emergency rental assistance, foreclosure relief funds are also being distributed at the state level—and are also having mixed results getting to those who need them.

COVID Relief Funds Filling Some Housing Budget Gaps
As COVID relief funds have flowed out across the country, state and local governments have so far allotted at least $13.8 billion of their discretionary dollars to housing efforts.

Leaky Roof? A USDA Home Repair Option
One USDA program has given out over a billion dollars in rural home repair grants since its inception, and could be inspiration for similar programs in urban and suburban communities as well.

Vacant Homes Wither Under Flawed Tax Sale System
Outdated tax sale rules and predatory investment practices keep Baltimore homes in a revolving door of vacancy. But that could soon change.
Affordable ADUs: How It’s Being Done
In the face of limited financing options, local governments, nonprofits, and social enterprises are experimenting with ways to make affordable ADUs a reality.

ADUs: Defined, Disambiguated, and Debated
Accessory dwelling units are being touted as a way to provide more affordable rental units for tenants, and additional monthly income for homeowners. But some cities allow them, others don’t. So what are ADUs exactly?

How Tax Assessments are Racist
Between biased property appraisals that undervalue Black-owned properties and biased tax assessments that levy an unfair burden, homeowners of color are flanked by a double-whammy of racism.

Push Back on the Racial Wealth Gap—A Shelterforce Webinar
Authors from Shelterforce’s recent series about the racial wealth gap and other experts talk wealth building, wealth extraction, and the tools available to help close the gap.

Making Homeownership Work Better
Programs that help households of color buy homes haven’t made much of a dent in the racial wealth gap. But some strategies could generate better outcomes for buyers.

Rethinking Homeownership Incentives to Shrink the Racial Wealth Gap
This set of federal tax policy recommendations could support first-time homebuyers, enable renters and owners to save money, and help close the wealth gap.
