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shared equity

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A beige-yellow building. "Mode" is written in the front.

Sweden’s Housing Co-ops Offer a Model for Moderate-Income Housing

In Sweden, almost one-quarter of all housing is in co-ops. Here are some lessons for this mixed-income housing model.

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One-pager shows a repeating image of a manufactured home down the center, with myths on the left about why they are bad, and facts on the right. Image links to pdf version.
The Answer

Q: Are Manufactured Homes a Bad Form of Affordable Housing?

A: Not any more! There are many myths out there about manufactured (or “mobile”) homes, but in fact they can be a very important source of quality affordable housing…

Housing

Manufacturing Affordable Homeownership Solutions

It’s time to take factory-built homes seriously as affordable housing.

Housing

Shared Equity for the Rich?

One of the common arguments from those who are skeptical of shared-equity homeownership is that it's unfair to ask low-income people to give up their right to 100 percent of […]

Housing

A New Kind of Redlining: Punishing Success

During the worst years of the Great American Mortgage Meltdown, shared equity homes represented an island of stability in a turbulent sea of market failure. Whether community land trusts (CLTs); limited […]

Housing

Braided Lives: Habitat–Land Trust Partnerships Bring Each Back to Their Roots

Though they started at the same place around the same time, community land trusts and Habitat for Humanity soon went their separate ways.  In recent years, however, inventive practitioners have […]

A drawing of a house with a red roof and a red path leading from door is accompanied by text explaining reasons why shared-equity homeownership makes sense in weak-market areas. Image links to pdf version.
The Answer

Q: What’s the Point of Shared-Equity Homeownership in Weak Market Areas?

Shared-equity homeownership is best known as a tool to fight displacement in hot-market areas. But in fact, it has many advantages in weak-market areas too.

Housing

The Threat (and Promise) of a Good Example

It’s embarrassing to admit, but those who vehemently oppose shared equity homeownership may have a deeper understanding of the sector’s potential than those of us who ardently support it. Our […]

Does shared-equity homeownership build assets? Yes. And keeps them safer than traditional homeownership does. Various graphs and charts follow to back up this assertion. Image links to pdf version.
The Answer

Q: Does Shared-Equity Homeownership Build Assets?

A: Yes! And keeps them safer than traditional homeownership does.

Homeownership

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.

Housing

Building in Affordability

A range of existing policy tools can help preserve and expand affordable housing near planned transit stations — but to have the most effect, they need to be put in place up front.

Housing

Best of Both Worlds

Permanent affordability and asset building might seem at first blush to be contradictory goals for a low-income homeownership program, but new research says in fact they can be achieved together.

Policy

Homes That Last

Counter-cyclical stewardship is the only way to ensure that lower-income families are neither nudged out by rising costs nor forced out by foreclosure.