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Shared Equity/Permanent Affordability

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Is the Housing Market the Answer to the Racial Wealth Gap?

In discussions around closing the racial wealth gap, we should be reminded that a very large portion of wealth gained by white Americans should be seen as ill-gotten.

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A group of residents stand outside of the Oak Hill Meeting House holding a sign that reads "We Own It." They are clapping and cheering.
Community Development Field

The State of Shared-Equity Homeownership

Though the need is greater than ever for resale-restricted, affordable homes, the growth of this model of homeownership appears to be limited.

Housing

Organizing and the Community Land Trust Model

What happens when organizers win a campaign for community control of land? That depends a lot on the choices they make about how to exercise that control.

One-pager showing differences between municipal land banks and community land trusts. Image links to pdf version.
Community Control

Q: Is a Land Bank the Same as a Land Trust?

A: Nope. They are totally different, though complementary tools. This chart will walk you through the differences.

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.
Housing

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…

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.
Community Control

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.

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.
Housing

Q: Does Shared-Equity Homeownership Build Assets?

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

Community Control

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.