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Homeownership And Americas Financial Underclass
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Book Synopsis Homeownership and America's Financial Underclass by : Mechele Dickerson
Download or read book Homeownership and America's Financial Underclass written by Mechele Dickerson and published by Cambridge University Press. This book was released on 2014-06-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why does America have a love affair with homeownership? For many, buying a home is no longer in their best interest and may harm their children's educational opportunities. This book argues that US leaders need to re-evaluate housing policies and develop new ones that ensure that all Americans have access to affordable housing, whether rented or owned. After describing common myths, the book shows why the circumstances now faced by America's financial underclass make it impossible for them to benefit from homeownership because they cannot afford to buy homes. It then exposes the risks of 'home buying while brown or black,' discussing US policies that made it easier for whites to buy homes, but harder and more costly for blacks and Latinos to do so. The book argues that remaining racial discrimination and certain demographic features continue to make it harder for blacks and Latinos to receive homeownership's promised benefits.
Book Synopsis Homeownership and America's Financial Underclass by : Mechele Dickerson
Download or read book Homeownership and America's Financial Underclass written by Mechele Dickerson and published by Cambridge University Press. This book was released on 2014-06-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why does America have a love affair with homeownership? For many, buying a home is no longer in their best interest and may harm their children's educational opportunities. This book argues that US leaders need to re-evaluate housing policies and develop new ones that ensure that all Americans have access to affordable housing, whether rented or owned. After describing common myths, the book shows why the circumstances now faced by America's financial underclass make it impossible for them to benefit from homeownership because they cannot afford to buy homes. It then exposes the risks of 'home buying while brown or black,' discussing US policies that made it easier for whites to buy homes, but harder and more costly for blacks and Latinos to do so. The book argues that remaining racial discrimination and certain demographic features continue to make it harder for blacks and Latinos to receive homeownership's promised benefits.
Book Synopsis Regaining the Dream by : Roberto G. Quercia
Download or read book Regaining the Dream written by Roberto G. Quercia and published by Rowman & Littlefield. This book was released on 2011-07-27 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans have lost their homes since the start of the recession initiated by the financial crisis of 2008–09. But is the dream of homeownership for America's working families obsolete, an aspiration from a bygone era? Regaining the Dream rejects that notion and proposes a way to strengthen the financial system while simultaneously promoting an equitable and viable American homeownership policy. For the first time, the authors of Regaining the Dream offer data-driven evidence on how the mortgage industry can serve working families in the United States, pointing the way to a pragmatic housing policy that promotes the opportunity for sustainable homeownership. Taking the reader step by step through the lending crisis and what caused it, the authors include useful and clear definitions of terms heard almost daily in news coverage. And they give a fair account of the history behind Fannie Mae and Freddie Mac and the new Dodd-Frank law, explaining what remains to be done to uphold one of the defining characteristics of the American dream.
Book Synopsis The Rise and Fall of the Neoliberal Order by : Gary Gerstle
Download or read book The Rise and Fall of the Neoliberal Order written by Gary Gerstle and published by Oxford University Press. This book was released on 2022 with total page 441 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gary Gerstle provides a sweeping re-interpretation of the entire era - from the revival of market liberalism in the 1970s to the ruin generated by the 2008 global financial crisis - that places America at the center.--
Book Synopsis Foreclosed by : Christopher K. Odinet
Download or read book Foreclosed written by Christopher K. Odinet and published by Cambridge University Press. This book was released on 2019-02-07 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Foreclosed, Christopher K. Odinet gives voice to the stories of homeowners that have been neglected, particularly those facing foreclosure and deep financial distress. The book reveals the powerful and often invisible mortgage servicing industry, the tremendous discretionary power it wields over the housing lives of most Americans, and the servicing problems that still persist today. In doing so, it unveils a quiet and dangerous market shift in mortgage servicing - namely, an ongoing move toward a shadow banking sector where regulation is weak - that threatens the stability of our housing finance system. Ultimately, the book demonstrates how the law does not afford homeowners the protection most think and how regulation of these mortgage middlemen remains weak. Foreclosed should be read by anyone concerned with the state of housing and home ownership in the United States.
Book Synopsis Predatory Lending and the Destruction of the African-American Dream by : Janis Sarra
Download or read book Predatory Lending and the Destruction of the African-American Dream written by Janis Sarra and published by Cambridge University Press. This book was released on 2020-07-09 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the Great Recession of 2008, the racial wealth gap between black and white Americans has continued to widen. In Predatory Lending and the Destruction of the African-American Dream, Janis Sarra and Cheryl Wade detail the reasons for this failure by analyzing the economic exploitation of African Americans, with a focus on predatory practices in the home mortgage context. They also examine the failure of reform and litigation efforts ostensibly aimed at addressing this form of racial discrimination. This research, augmented by first-hand narratives, provides invaluable insight into the racial wealth gap by vividly illustrating the predation that targets African-American consumers and examining the intentionally obfuscating settlement terms of cases brought by the U.S. Department of Justice, states attorneys, and municipalities. The authors conclude by offering structural, systemic changes to address predatory practices. This important work should be read by anyone seeking to understand racial inequality in the United States.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy Publisher : ISBN 13 : Total Pages :112 pages Book Rating :4.3/5 (91 download)
Book Synopsis The More You Know, the Better Buyer You Become by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy
Download or read book The More You Know, the Better Buyer You Become written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy and published by . This book was released on 2010 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Foreclosure Echo by : Linda E. Fisher
Download or read book The Foreclosure Echo written by Linda E. Fisher and published by Cambridge University Press. This book was released on 2019-07-18 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fisher and Fox demonstrate how ordinary people experienced the foreclosure crisis and how lenders and public institutions failed to protect them.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :560 pages Book Rating :4.F/5 ( download)
Book Synopsis H.R. 3995, the Housing Affordability for America Act of 2002 by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book H.R. 3995, the Housing Affordability for America Act of 2002 written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2002 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Future of Housing in America by : United States. Congress. House. Committee on Financial Services
Download or read book The Future of Housing in America written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2015 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing, Community Development, and Insurance Publisher : ISBN 13 : Total Pages :54 pages Book Rating :4.:/5 (123 download)
Book Synopsis An Examination of the Federal Housing Administration and Its Impact on Homeownership in America by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing, Community Development, and Insurance
Download or read book An Examination of the Federal Housing Administration and Its Impact on Homeownership in America written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing, Community Development, and Insurance and published by . This book was released on 2020 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis At the Boundaries of Homeownership by : Chloe N. Thurston
Download or read book At the Boundaries of Homeownership written by Chloe N. Thurston and published by Cambridge University Press. This book was released on 2018-05-03 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, homeownership is synonymous with economic security and middle-class status. It has played this role in American life for almost a century, and as a result, homeownership's centrality to Americans' economic lives has come to seem natural and inevitable. But this state of affairs did not develop spontaneously or inexorably. On the contrary, it was the product of federal government policies, established during the 1930s and developed over the course of the twentieth century. At the Boundaries of Homeownership traces how the government's role in this became submerged from public view and how several groups who were locked out of homeownership came to recognize and reveal the role of the government. Through organizing and activism, these boundary groups transformed laws and private practices governing determinations of credit-worthiness. This book describes the important policy consequences of their achievements and the implications for how we understand American statebuilding.
Book Synopsis Chasing the American Dream by : William M. Rohe
Download or read book Chasing the American Dream written by William M. Rohe and published by Cornell University Press. This book was released on 2007 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans? This book provides a critical assessment of affordable homeownership policies and goals.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity Publisher : ISBN 13 : Total Pages :160 pages Book Rating :4.F/5 ( download)
Book Synopsis The Expanding American Homeownership Act of 2007 by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Download or read book The Expanding American Homeownership Act of 2007 written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2007 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking and Financial Services Publisher : ISBN 13 : Total Pages :184 pages Book Rating :4.:/5 (519 download)
Book Synopsis American Homeownership and Economic Opportunity Act of 2000 by : United States. Congress. House. Committee on Banking and Financial Services
Download or read book American Homeownership and Economic Opportunity Act of 2000 written by United States. Congress. House. Committee on Banking and Financial Services and published by . This book was released on 2000 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Household Incomes and Housing Costs by : United States. Congress. House. Committee on Financial Services
Download or read book Household Incomes and Housing Costs written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2007 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Expanding American Homeownership Act of 2006 by : United States. Congress. House. Committee on Financial Services
Download or read book Expanding American Homeownership Act of 2006 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
