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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Breaking Asset Poverty: Better Homeownership—and More
Rather than abandoning homeownership as an asset-building strategy the next administration must pursue alternative strategies: bringing back “good homeownership,” supporting quality affordable rental housing, and developing other ways to help families of modest means invest for themselves and their future.
Taxation of Shared-Equity Homes
In 2004, the National Housing Institute launched an ongoing research project on shared-equity homeownership, focusing on three models of resale-restricted, owner-occupied housing: limited-equity cooperatives; community land trusts; and deed-restricted houses […]
Valuation and Taxation of Resale-Restricted, Owner-Occupied Housing
Shared-equity homeownership offers an option for bringing homeownership within reach for lower-income households.
Has Homeownership Been Oversold?
Discussion about homeownership almost always seems to begin with some reference to owning one’s own home being a part of “The American Dream.” Homeownership has come to stand for wealth, […]
Homeownership Tax Credits
Congress is likely to enact some kind of homeownership tax credit, perhaps as early as this year. Given Bush’s agenda, it may be a very regressive one.
New Rules for Fannie and Freddie
Owning a home is the American Dream. But who can really buy the dream of homeownership and why? After almost 20 years of the Community Reinvestment Act and anti-redlining […]
Insurance Redlining: Still Fact, Not Fiction
Homeowner insurance redlining discriminates against Blacks and undermines urban redevelopment.