Examining the Unexamined Goal
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Low-income Homeownership by Nicolas P. Retsinas
Book DescriptionA 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.
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Book DetailsISBN: 9780815706137
(229mm x 152mm x 27mm)
Imprint: Brookings Institution
Publisher: Brookings Institution
Publish Date: 31-May-2002
Country of Publication: United States
Books By Author Nicolas P. Retsinas
Moving Forward, Paperback (January 2011)
The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation.
Borrowing to Live, Paperback (November 2008)
Americans are awash in debt, and the U.S. economy is in trouble. Credit undergirds daily life more than ever --it has become one of the defining aspects of American life, and the ramifications are becoming clearer by the day.
Building Assets, Building Credit, Paperback (June 2005)» View all books by Nicolas P. Retsinas
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.
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Author Biography - Nicolas P. Retsinas
Nicolas P. Retsinas is director of Harvard University's Joint Center for Housing Studies and a member of the faculty of the Harvard Graduate School of Design, the Kennedy School of Government, and Business School. Eric S. Belsky is managing director of the Joint Center for Housing Studies and a lecturer in the Harvard Graduate School of Design, USA.
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