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Homeownership Sources |
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Bipartisan
Millennial Housing Commission.
2002. Meeting
Our Nation's Housing Challenges: Report of the Bipartisan
Millennial Housing Commission Appointed by the Congress of
the United States. (On-line: cited 14 April 2003).
Details the extent of the housing shortage, the benefits of
home ownership, and recommendations for public and private
reforms to increase home ownership.
Boehm, Thomas M., and Alan M.
Schlottmann. 2001. Housing and wealth accumulation:
Intergenerational impacts. An analysis of the Panel Study
of Income Dynamics showing that children of homeowners are
more likely to own homes and have higher levels of education
than children of renters.
Bratt, Rachel G., and Langley
C. Keyes. 1998. Challenges
confronting nonprofit housing organizations' self-sufficiency
programs. (On-line: cited 15 April 2003). The authors
interviewed staff at seventy two housing programs designed
to increase clients' self-sufficiency and conducted field
visits at twenty one of those organizations. Officials stress
the long-term timeline for these programs, as well as the
need to work one-on-one with clients.
Brookings Institution.
2003. Rethinking
Local Affordable Housing Strategies: Lessons From 70 Years
of Policy and Practice (Executive summary). (On-line:
cited 7 June 2004). An argument that the most important actors
in housing policy are state and local governments, and suggestions
for governments to avoid common pitfalls in housing policy.
Collins, J. Michael, Eric S.
Belsky, and Michy Tripathi. 1999. Estimating
economic impacts of community lending. (On-line:
cited 15 April 2003). Using the 1995 Consumer Finance Survey
and other data sources, the authors extrapolate to find the
economic impacts of increased homeownership on lending institutions,
community economies, and owners.
Colton, Kent W. 2002.
Housing
finance in the United States: The transformation of the U.S.
housing finance system. (On-line: cited 24 April
2003). A good descriptive history of developments in the housing
finance market from the 1920s to today.
Fannie Mae Foundation.
2001. Building partnerships for neighborhood change: Promising
practices of the university-community partnership initiative.
The Fannie Mae Foundation developed the University-Community
Partnership Initiative in 1998 to increase affordable housing
and services in university neighborhoods. This study of best
practices is based on the eleven biggest project sites that
often had very different goals; for example homeowner counseling,
home rehabilitation, pooling loans, etc. Washington, D.C.:
Fannie Mae Foundation.
Goetzmann, William N. and
Matthew Spiegel. 2001. The
policy implications of portfolio choice in underserved mortgage
markets. (On-line: cited 8 June 2004). The authors
caution against the use of housing as a prime asset-building
strategy among the poor. They use housing data to show that
neighborhoods with flexible loan writing become gentrified
and that housing values often fluctuate widely. Programs that
encourage homeownership should stress other benefits of owing
a home in addition to the asset value of the house itself.
Higgins, Lindley R.
2001. Measuring the economic impact of community-based
homeownership programs on neighborhood revitalization.
A study of five homeownership programs. Lindley finds that
these programs are correlated to lower crime rates and increases
in private investment. Washington, D.C.: Local Initiatives
Support Coalition.
Hirad, Abdighini and Peter M.
Zorn. 2001.
A little knowledge is a good thing: Empirical evidence
of the effectiveness of pre-purchase homeownership counseling.
(On-line: cited 8 June 2004). The authors examine data from
forty thousand mortgages obtained under Freddie Mac's Affordable
Gold program, and find that those who got pre-purchase counseling
were significantly less likely to default on the loan. The
findings are particularly important because the control group
was non-counseled on the basis of better credit scores; therefore,
one would expect them to have lower delinquency rates absent
counseling for all of the borrowers.
Joint Center for Housing Studies.
Harvard University. 2004. The
state of the nation's housing 2004. (On-line: cited
8 June 2004). An overview of the changes in home ownership
and rentals among individuals and changes in the housing markets
in the last two decades. Contains several appendices with
information in tabular form.
Listokin, David and Elvin K.
Wyly. 2000. "Making new mortgage markets: Case
studies of institutions, home buyers, and communities."
Housing Facts and Findings 2 (Fall): 1. Case studies
of sixteen organizations that are leaders in mortgage financing
for underserved markets.
Louie, Josephine, Eric S. Belsky,
and Nancy McArdle. 1998. The
housing needs of lower-income homeowners. (On-line:
cited 8 June 2004). A study that uses survey data from the
1995 American Housing Survey to examine how poorer homeowners
lack funds to make repairs to their homes. Moreover, the federal
government has greatly reduced aid that can be used for home
maintenance, making it imperative for nonprofits to consider
home maintenance in their programs.
Mozillo, Angelo R.
2003. The
American dream of homeownership: From cliché to mission.
(On-line: cited 14 April 2003). The John T. Dunlop Lecture
at the Joint Center for Housing Studies at Harvard University.
Mozillo touches on broad trends in homeownership and offers
potential solutions to obstacles, focusing on predatory lending
and the underwriting process.
Quercia, Roberto G. and Susan
M. Wachter. 1996. "Homeownership counseling
performance: How can it be measured?" Housing Policy
Debate 7(1): 175-200. A literature review of studies
that assess (but rarely evaluate) the different types of counseling
for potential homeowners.
Ratner, Mitchell S.
1996. "Many routes to homeownership: a four-site ethnographic
study of minority and immigrant experiences." Housing
Policy Debate 7 (1): 103-145. A study of immigrant and
minority attitudes toward the home-buying process. Teams conducted
forty five days of fieldwork at four sites, conducting interviews
with individuals whom the team members already knew through
their own work in those communities.
Schubert, Michael.
1999. More than bricks and mortar: Housing that builds
community. Describes the results of a collaborative project
to increase the amount of affordable housing in Santa Fe.
Charlottesville, VA: Pew Partnership.
Suchman, Diane R. 1990.
Public/Private Housing Partnerships. Five case studies
of formal partnerships between nonprofit organizations and
public institutions. Suchman describes the most successful
strategies for the partnerships and the most common challenges.
Washington, D.C.: The Urban Land Institute. |
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