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shared equity

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A large brick building with a spire and front balcony sits behind a large brick sign with FannieMae written on it. Pink and white flowers, along with green shrubbery, are planted in front of the sign.

Proposed Federal Rule Would Undercut Fannie and Freddie’s Duty to Serve Underserved Markets

The Federal Housing Finance Agency is proposing to significantly change how it enforces Fannie Mae and Freddie Mac’s duty to serve underserved mortgage markets. Comments from the public are due July 24.

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Housing

Extreme Makeover: CLT Home Edition

Who doesn’t enjoy a room makeover contest with stunning results? The competition is even more gratifying when it serves a dual purpose: delighting a happy homeowner, and fostering awareness of […]

Housing

Community Land Trusts Gain New Activist Allies

The Right to the City (RTC), an activist housing justice alliance, has broadened its agenda to include advocating for community land trusts (CLTs) and other permanently affordable housing arrangements. “We were […]

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.