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Author : Peter Marcuse
Publisher :
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4.:/5 (172 download)
Download or read book The Financial Attributes of Homeownership for Low and Moderate Income Families written by Peter Marcuse and published by . This book was released on 1972 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Peter Marcuse
Publisher :
ISBN 13 :
Total Pages : 400 pages
Book Rating : 4.:/5 (135 download)
Download or read book The Legal Attributes of Homeownership for Low and Moderate Income Families written by Peter Marcuse and published by . This book was released on 1972 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Nicolas Paul Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 9780815706137
Total Pages : 520 pages
Book Rating : 4.7/5 (61 download)
Download or read book Low-income Homeownership written by Nicolas Paul Retsinas and published by Brookings Institution Press. This book was released on 2002 with total page 520 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities.
Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 9780815706038
Total Pages : 524 pages
Book Rating : 4.7/5 (6 download)
Download or read book Low-Income Homeownership written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2004-05-28 with total page 524 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethnic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. The book is divided into five chapters which focus on the following subjects: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.
Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815797842
Total Pages : 413 pages
Book Rating : 4.8/5 (157 download)
Download or read book Building Assets, Building Credit written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2006-05-25 with total page 413 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.
Author : Roberto G. Quercia
Publisher : Rowman & Littlefield
ISBN 13 : 0815721730
Total Pages : 178 pages
Book Rating : 4.8/5 (157 download)
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.
Author : Thomas P. Fitzgibbon
Publisher : Universal-Publishers
ISBN 13 : 1599423626
Total Pages : 149 pages
Book Rating : 4.5/5 (994 download)
Download or read book The Socio-Economic Benefit of Home Ownership in Low and Moderate Income Communities written by Thomas P. Fitzgibbon and published by Universal-Publishers. This book was released on 2010-09 with total page 149 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States government spends billions of dollars on home ownership programs in low and moderate income communities. However, there is paucity of academic research to assess the socioeconomic impacts of these programs. The purpose of this empirical research was to assess their possible impacts. The key research question explored the relationship between low and moderate income home ownership, the independent variable, and the dependent variables of the rates of crime, unemployment, high school graduation, and standardized test scores in the communities concerned. The research design was quantitative-causal. Welfare economic theory formed the theoretical foundation for the study. Using public records, data were collected from four low and moderate income communities in major Midwestern metropolitan areas. The proposed relationships were tested through independent sample t-tests and regression analyses. Results indicated no significant relationship between low and moderate home ownership rate and the rates of the studied socioeconomic indicators. A significant social change implication of this finding would be to relocate federal dollars from housing schemes to more socially and economically relevant programs, such as those geared toward improving educational opportunities in low and moderate income communities.
Author : Kim R. Manturuk
Publisher : Oxford University Press
ISBN 13 : 0190653264
Total Pages : 209 pages
Book Rating : 4.1/5 (96 download)
Download or read book A Place Called Home written by Kim R. Manturuk and published by Oxford University Press. This book was released on 2017-09-01 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the onset of the mortgage lending crisis and the subsequent Great Recession, there has been ongoing debate about the economic benefits of homeownership. Some say homeownership remains an important contributor to wealth creation, while others believe that renting is a less expensive and less risky option. This debate has raised an interesting question about homeownership: if the home is not guaranteed to provide a solid return on investment, is there a rationale for promoting homeownership beyond whatever financial benefits it may deliver? The authors' research has provided tremendous insights into the extra-financial effects of affordable homeownership. It shows that homeowners, when compared with renters, have better health outcomes, experience less stress in times of financial hardship, experience a greater sense of trust in their neighbors, have access to more social capital resources, and are more likely to vote. Further, the data allows us to explore not only what benefits result from affordable homeownership, but how and why these benefits are transferred. The book ultimately argues that homeownership is not only important for financial reasons, but also functions as a social tool that can improve the lives of low- and moderate-income people.
Author : William G. Grigsby
Publisher : Routledge
ISBN 13 : 1351300547
Total Pages : 222 pages
Book Rating : 4.3/5 (513 download)
Download or read book Urban Housing Policy written by William G. Grigsby and published by Routledge. This book was released on 2017-09-29 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: For as long as statistics record, housing conditions in the United States have been improving. Housing that only the rich once enjoyed is commonplace today; by today's standards, most of the population was ill-housed at the turn of the century. Amidst this rise, however, inadequate living accommodations for a portion of the population have stubbornly persisted. Many families endure housing deprivations that are severe, even with respect to the norms of earlier years.Development of housing policy requires a blending of technical data, theory, and political and ethical considerations. This study is organized, therefore, around a planning framework. Housing needs and objectives are specified; housing resources are identified; theories of the problem are explored; alternative strategies are reviewed; and one of several possible packages of programs is elaborated in detail. Particular emphasis is placed throughout on the multiplicity of housing and non-housing goals and programs, and on the variety of client groups, which must be taken into consideration in trying to evolve an appropriate role for the public sector in this area of social concern.Specifically, this work begins with a quick sketch of Baltimore and an examination of local problems and policies. This is followed by a description of the dimensions of housing needs. Another chapter studies the low-income market empirically from the perspective of the person whom poor families rely on for housing services - the landlord. An investigation on several theories of slums, decay, and housing abandonment is discussed, and the authors formulate a composite theory that serves as a foundation for policy decisions. The final set of chapters explores in greater detail technical aspects of the proposals contained in the text, and the concluding chapter investigates their political feasibility.
Author : Constance Perin
Publisher : Princeton University Press
ISBN 13 : 1400854237
Total Pages : 309 pages
Book Rating : 4.4/5 (8 download)
Download or read book Everything In Its Place written by Constance Perin and published by Princeton University Press. This book was released on 2014-07-14 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: Interviews with bankers, civic leaders, politicians, and architects provide the basis for this searching analysis of the ways in which the physical arrangement of land expresses American ideals, assumptions, and beliefs. Originally published in 1977. The Princeton Legacy Library uses the latest print-on-demand technology to again make available previously out-of-print books from the distinguished backlist of Princeton University Press. These editions preserve the original texts of these important books while presenting them in durable paperback and hardcover editions. The goal of the Princeton Legacy Library is to vastly increase access to the rich scholarly heritage found in the thousands of books published by Princeton University Press since its founding in 1905.
Author : New York (State).
Publisher :
ISBN 13 :
Total Pages : 1798 pages
Book Rating : 4.:/5 ( download)
Download or read book New York Court of Appeals. Records and Briefs. written by New York (State). and published by . This book was released on with total page 1798 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : William M. Rohe
Publisher : Cornell University Press
ISBN 13 : 1501731130
Total Pages : 326 pages
Book Rating : 4.5/5 (17 download)
Download or read book Chasing the American Dream written by William M. Rohe and published by Cornell University Press. This book was released on 2018-07-05 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: Providing decent, safe, and affordable housing to low- and moderate-income families has been an important public policy goal for more than a century. In recent years there has been a clear shift of emphasis among policymakers from a focus on providing affordable rental units to providing affordable homeownership opportunities. Due in part to programs introduced by the Clinton and Bush administrations, the nation's homeownership rate is currently at an all-time high. Does a house become a home only when it comes with a deed attached? Is participation in the real-estate market a precondition to engaged citizenship or wealth creation? The real estate industry's marketing efforts and government policy initiatives might lead one to believe so. The shift in emphasis from rental subsidies to affordable homeownership opportunities has been justified in many ways. Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans, or are its benefits undermined by the difficulties caused by unfavorable mortgage terms and by the poor condition or location of the homes bought? Chasing the American Dream provides a critical assessment of affordable homeownership policies and goals. Its contributors represent a variety of disciplinary perspectives and offer a thorough understanding of the economic, social, political, architectural, and cultural effects of homeownership programs, as well as their history. The editors draw together the assessments included in this book to prescribe a plan of action that lays out what must be done to make homeownership policy both effective and equitable.
Author :
Publisher :
ISBN 13 :
Total Pages : 808 pages
Book Rating : 4.3/5 ( download)
Download or read book Housing in the Seventies written by and published by . This book was released on 1976 with total page 808 pages. Available in PDF, EPUB and Kindle. Book excerpt:
![Download Housing in the seventies working papers 1 [and] 2 PDF Online Free](https://books.google.com/books/content/images/frontcover/jo-ZMohXvfgC?fife=w200-h370)
Author : United States. Dept. of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 804 pages
Book Rating : 4.3/5 ( download)
Download or read book Housing in the seventies working papers 1 [and] 2 written by United States. Dept. of Housing and Urban Development and published by . This book was released on 1976 with total page 804 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 120 pages
Book Rating : 4.:/5 (327 download)
Download or read book The National Homeownership Strategy written by United States. Department of Housing and Urban Development and published by . This book was released on 1995 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 818 pages
Book Rating : 4.:/5 (319 download)
Download or read book Housing and Planning References written by and published by . This book was released on 1973 with total page 818 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : George Sternlieb
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.3/5 (91 download)
Download or read book Multifamily Housing Demand: 1975-2000 written by George Sternlieb and published by . This book was released on 1978 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
