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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Believing in Homeownership: Where Does the American Dream Idea Come From?
Homeownership in the U.S. has long been associated with a wide range of positive outcomes–from investment potential to social stability to personal well-being. But where did these associations come from, […]
Homeownership Is Still Very Much an Asset-Building Strategy
Homeownership is, of course, still American’s greatest source of wealth and asset appreciation, and a key component of CFED’s work. In order to make it a realistic possibility for more […]
The American Dream Under Duress?
“For most Americans, the housing crisis is hardly a thing of the past.” This is how Hart Research Associates opened its presentation on the second annual “How Housing Matters” study […]
Can Technology Help Housing Counselors do More with Less?
On April 2, HUD Secretary Shaun Donovan joined a host of congressional leaders and representatives from over 175 community development organizations to toast the first anniversary of the Home Matters […]
Once a City Dweller, Always a City Dweller?
Just how strong is the long-term allure of the city to young people today? Sure, cities don’t have the great public schools and the super-safe streets of the suburbs and […]
Dare to See the Possibilities in Manufactured Homes
Residents in the Buena Vista Mobile Home Park in Palo Alto, Calif., are fighting to stop the sale of their community to a luxury housing developer. At stake is the loss […]
Homeowner Associations Have Draconian Rules. Why?
I’ve always been somewhat puzzled as to why people choose to buy houses in neighborhoods with homeowner associations (HOAs). They always seem to have such draconian regulations in their covenants. […]
Manufactured Home Mortgages Perform As Well As Other Mortgages
The foreclosure crisis. Homeowners “underwater.” Neighborhoods blighted with vacated homes. Tougher credit standards and new regulations making it harder for lower-income households to qualify for a mortgage. These have been […]
A Bipartisan Look at Demographics that Drive Housing Demand
Earlier this week the Bipartisan Policy Center (BPC) released its Housing Commission Report: Housing America’s Future: New Directions for National Policy. As an advisor to Janet Murgía, NCLR President and […]
The Bipartisan Policy Center Endorses a Bi-Partisan Failure
[Ed: The Bipartisan Policy Center's Housing Commission released its report, Housing America's Future, on housing policy yesterday. Its recommendations include winding down Fannie Mae and Freddie Mac, and limiting federal government […]
Advancing Home Opportunity on Capitol Hill
On January 22 I spoke at a Capitol Hill briefing entitled “A Compact for Home Opportunity: What America Can Do to Stop Foreclosures, Restore Communities, and Fulfill the American Dream.” […]
Homeownership Is Not Necessarily a Great Investment
The pushers of homeownership often try to convince people that they cannot lose by owning a home. They often use lines like “you can always live in your home.” This […]