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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A Home You Can’t Mortgage? No Longer. Victory for Manufactured Housing
More than seventeen million Americans live in 6.9 million manufactured homes. The vast majority of these homeowners are low and very low income (median income was $34,700 in 2008). For […]
Interview with Senator Robert Menendez
Shelterforce talks with Sen. Robert Menendez about the ongoing federal response to the housing crisis, the Sustainable Communities Initiative, the Occupy movement, and more.
Q: Did the housing crisis prove low-income people can’t be successful homeowners?
No! Two at-scale, long-term lending programs show that if the process is done right, low-income homeowners can be as successful as prime borrowers–or more.
A Blueprint for Responsible Homeownership
A Massachusetts loan program gives lenders skin in the game while providing tools for responsible homeownership for lower-income borrowers.
Detroit: Precise Associates
“When we try to stabilize neighborhoods, rather than being scattered in approach, we try to buy as many properties as possible in a given location and then protect our investment […]
Uncle Sam Outdone by Ocwen’s SAM
This summer, mortgage servicer Ocwen Financial Corp. officially launched a mortgage principal reduction program for homeowners with negative equity.
The Promise of Sustainable Design
I think if there is a silver lining in the foreclosure crisis it is this: more Americans are recognizing the critical importance of quality, affordable rental housing.
Housing Policy Should Be About People, Not Product
Most low-income households in the United States live in private-market housing. American housing policies, though, rather than focusing on the needs of that majority, have focused disproportionately on providing a […]
Homeownership Today and Tomorrow: Building Assets While Preserving Affordability
Can low-income families build enough equity in them to transform their circumstances? New research says yes.
Anti-Foreclosure Neighborhood Stabilization Efforts
Reid Cramer of the New America Foundation chats with Shelterforce’s Miriam Axel-Lute about anti-foreclosure neighborhood stabilization efforts.
Speed ’Em Up or Slow ’Em Down?
the Florida State Legislature was launching a $9.6 million effort intended to unclog the court system by establishing foreclosures-only courts across the state
Toes in the Water
NHI’s latest research report, Toes in the Water: Nonprofit Community Development Real-Estate and Mortgage Brokerage Programs, identifies state regulatory obstacles and assesses the future of a new direction in promoting […]