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:
Download or read book The Federal Housing Administration and African American Homeownership written by David J. Reiss and published by . This book was released on 2017 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States Federal Housing Administration (“FHA”) has been a versatile tool of government since it was created during the Great Depression. It achieved success with some of its goals and had a terrible record with others. Its impact on African-American households falls, in many ways, into the latter category. The FHA began redlining African-American communities at its very beginning. Its later days have been marred by high default and foreclosure rates in those same communities.At the same time, the FHA's overall impact on the housing market has been immense. Over its lifetime, it has insured more than 40 million mortgages, helping to make home ownership available to a broad swath of American households. And indeed, the FHA mortgage was central to America's transformation from a nation of renters to homeowners. The early FHA really created the modern American housing finance system, as well as the look and feel of postwar suburban communities.Recently, the FHA has come under attack for the poor execution of some of its policies to expand homeownership, particularly minority homeownership. Leading commentators have called for the federal government to stop employing the FHA to do anything other than provide liquidity to the low end of the mortgage market. These critics' arguments rely on a couple of examples of programs that were clearly failures, but they fail to address the FHA's long history of undertaking comparable initiatives. This Article takes the long view and demonstrates that the FHA has a history of successfully undertaking new homeownership programs. At the same time, the Article identifies flaws in the FHA model that should be addressed in order to prevent them from occurring if the FHA were to undertake similar initiatives to expand homeownership opportunities in the future, particularly for African-American households.
Download or read book The Future of Housing in America Oversight of the Federal Housing Administration Serial No 114 3 February 11 2015 114 1 written by and published by . This book was released on 2015 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book How the Federal Housing Administration Affects Homeownership written by Albert Monroe and published by . This book was released on 2002 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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:
Download or read book U S Housing Policy Politics and Economics written by Lawrence A. Souza and published by Routledge. This book was released on 2021-10-04 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The stirrings of reform or more of the same? U.S. Housing Policy, Politics, and Economics shares a stark and urgent message. With a new president in the White House and the economy emerging from its peak pandemic lows, the time is right for transformative federal housing legislation—but only if Congress can transcend partisan divides. Drawing on nearly a century of legislative and policy data, this briefing for scholars and professionals quantifies the effects of Democratic or Republican control of the executive and legislative branches on housing prices and policies nationwide. It exposes the lasting consequences of Congress’ more than a decade of failure to pass meaningful housing laws and makes clear just how narrow the current window for action is. Equal parts analysis and call to arms, U.S. Housing Policy, Politics, and Economics is essential reading for everyone who cares about affordable, accessible housing.
Download or read book Housing in America Its Present Status and Future Implications written by United States. Congress. Joint Committee on Housing and published by . This book was released on 1948 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book HUD Homeownership Programs written by United States. Government Accountability Office and published by DIANE Publishing. This book was released on 2006 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Oversight of the Federal Housing Administration written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2013 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Download or read book Federal Housing Administration s Mutual Mortgage Insurance Fund and Other FHA Issues written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development and published by . This book was released on 1992 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Federal Housing Administration written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2011 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Decent Housing written by Tom Forrester Lord and published by Transaction Publishers. This book was released on with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Download or read book Occasional Papers in Housing and Community Affairs written by and published by . This book was released on 1979 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Download or read book Housing America s Low and Moderate income Families Progress and Problems Under Past Programs Prospects Under Federal Act of 1968 written by Nathaniel Schnieder Keith and published by . This book was released on 1968 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
