Digital Commons Network^™

Abriendo Puertas: Exploring The Challenges To Homeownership And Housing Stability For Latinos In Massachusetts, Lorna Rivera, Phillip Granberry, Bianca Ortiz-Wythe, Michelle Borges

Gastón Institute Publications

This report speaks to the current state of housing for Latinos in the Commonwealth; and it’s not great. Areas where Latinos still face inequities are compounded in a way that directly impacts access to housing and thus, ability to build generational wealth, or at the very least housing stability. We have solutions to these issues, like rent control, transfer fees, zoning changes, and even tax credits. What we lack is enough political power to have our voices make a larger impact, as Latinos own their homes at 32.7% , this issue is directly correlated to our low homeownership rates, often …

Priced Out Of Housing In The Mountain West, 2022, Maryam Raja, Caitlin J. Saladino, William E. Brown Jr.

Housing & Real Estate

This fact sheet presents data from the National Association of Home Builder (NAHB) 2022 report on "priced out estimates" and the consequences of increased prices and interest rates on homes. Data are included from NAHB on home affordability for median home prices in five Mountain West states and 25 metropolitan statistical areas (MSAs).

Law Library Blog (February 2023): Legal Beagle's Blog Archive, Roger Williams University School Of Law

Law Library Newsletters/Blog

No abstract provided.

Affordable Housing: A National Crisis Fueled By The Coronavirus • A New Jersey Perspective, Latino Action Network Foundation

Center for Urban Policy Research

The Latino Action Network Foundation [LANF], its sister organization the Latino Action Network [LAN] and longtime ally, the Fair Share Housing Center [FSHC], have collaboratively monitored affordable housing issues in New Jersey for more than a decade. As part of its ongoing work, LANF sponsored a housing roundtable on September 10, 2021, to assess the affordable housing situation in the state and offer policy recommendations. At that time, a coalition of advocates, including the three organizations named above, were fresh from a legislative victory that safeguarded tenants unable to pay their rents during the pandemic and gave them a degree …

Housing Affordability Index: Mountain West Cities, November 2021, Olivia K. Cheche, Joshua Padilla, William E. Brown Jr.

Housing & Real Estate

This fact sheet highlights data on the median household income, median home price, estimated monthly mortgage and taxes, and share of income used for homeownership in fifteen Mountain West housing markets, as originally outlined in the “RealtyHop Housing Affordability Index: November 2021” report. The RealtyHop report analyzes the affordability of housing markets for the 100 most populous cities in the United States.

Housing Affordability In Nevada Recreation Counties, Yanneli Llamas, Vanessa Booth, Peter Grema, Caitlin J. Saladino, William E. Brown Jr.

Housing & Real Estate

Using 2019 data from the Bureau of Economic Analysis and the U.S. Census Bureau’s American Community Survey, this Fact Sheet highlights housing affordability in Nevada’s four recreation counties: Clark, Douglas, Elko, and Washoe. This synthesis is based on a published, national study by Dr. Megan Lawson of Headwaters Economics titled, “Housing in recreation-dependent counties is less affordable.”

Mortgage Finance Market And Housing Affordability In Urban Areas In Rwanda: A Case Of Kigali City, Samuel Iyandemye, Jonas Barayandema, Faustin Gasheja

Journal for the Advancement of Developing Economies

Rapid urbanization in Rwanda has considerably increased housing demand and the need for a dependable mortgage market. Unfortunately, the capacity of most people to afford to own homes from their own incomes is still a challenge as mortgages products are available at outrageous conditions making mortgage finance unaffordable. For better market readjustment, the effects or mortgage market factors on housing affordability in any locality should be properly evaluated. The objective of this study is to determine how mortgage finance market affects the affordability of housing in Kigali, the capital city of Rwanda. To attain this objective, data was obtained from …

Fact Sheet: Comparison Of Land Rights And Native Title In Nsw, New South Wales Aboriginal Land Council

Indigenous Water Justice Symposium (June 6)

Presenter: Phil Duncan, Gomeroi Nation, New South Wales Aboriginal Land Council

3 pages

Contains footnotes

"Land Rights and Native Title in NSW"

"October 2012"

"This document has been prepared by the New South Wales Aboriginal Land Council (NSWALC) for Local Aboriginal Land Councils (LALCs) and Aboriginal communities in NSW. NSWALC acknowledges the assistance of NTSCORP Limited (NTSCORP) in the development of this Fact Sheet."--Last page

Parallels Between The U.S. And Asian Property Markets, Singapore Management University

Perspectives@SMU

U.S. home prices are on an upswing. What does this mean for the Asian property market?

Interest Rate Pass Through And The Asymmetric Relationship Between The Cash Rate And The Mortgage Rate, Abbas Valadkhani, Sajid Anwar

Faculty of Commerce - Papers (Archive)

There is an ongoing controversy over whether banks’ mortgage rates rise more rapidly than they fall due to their asymmetric responses to changes in the cash rate. This paper examines the dynamic interplay between the cash rate and the standardvariable mortgage rate using monthly data in the post-1989 era. Unlike previous Australian studies, our proposed threshold and asymmetric error-correction models account for both the amount and adjustment asymmetries. We found that the Reserve Bank of Australia’s rate rises have a much larger and more instantaneous impact on the mortgage rate than rate cuts.

Greek Debt And American Debt: Graduation Speech At The University Of Athens Economics And Business School, John Geanakoplos

Cowles Foundation Discussion Papers

This is the graduation speech I gave on receiving an honorary doctorate at the University of Athens Economics and Business School. I talk about my Greek family, about how I got interested in economics, and then how in the 1990s I came to think about default, collateral, and leverage as the central features of the financial/macro economy, despite their complete absence (even now) from any textbooks. Finally I suggest that the Greek debt problem, and on a bigger scale, the American debt problem, can only be cured when lenders are prodded to forgive. That would be better for the borrowers …

Breaching The Mortgage Contract: The Behavioral Economics Of Strategic Default, Tess Wilkinson-Ryan

All Faculty Scholarship

Underwater homeowners face a quandary: Should they make their monthly payments as promised or walk away and save money? Traditional economic analysis predicts that homeowners will strategically default (voluntarily enter foreclosure) when it is cheaper to do so than to keep paying down the mortgage debt. But this prediction ignores the moral calculus of default, which is arguably much less straightforward. On the one hand, most people have moral qualms about breaching their contracts, even when the financial incentives are clear. On the other hand, the nature of the lender-borrower relationship is changing and mortgage lenders are increasingly perceived as …

Zach's News, Georgia Southern University, Zach S. Henderson Library

University Libraries News Online (2008-2023)

• 2 Hot Docs: Subprime Mortgage Debacle
• Constitutional Congratulations to Chris Booth!

Understanding Recent Trends In House Prices And Home Ownership, Robert J. Shiller

Cowles Foundation Discussion Papers

This paper looks at a broad array of evidence concerning the recent boom in home prices, and considers what this means for future home prices and the economy. It does not appear possible to explain the boom in terms of fundamentals such as rents or construction costs. A psychological theory, that represents the boom as taking place because of a feedback mechanism or social epidemic that encourages a view of housing as an important investment opportunity, fits the evidence better. Three case studies of past booms are considered for comparison: the US housing boom of 1950, the US farmland boom …

Homeownership Rates Among New York City’S Racial/Ethnic Groups And Latino Nationalities In 2000, Laura Limonic

Center for Latin American, Caribbean, and Latino Studies

Introduction: This report examines rates of homeownership among ethnic/racial groups in New York City. The data are broken down by four primary ethnic/racial groups: White, African Americans, Asians, and Latinos. Also examined are homeownership rates within the Latino group by nationality for the nine largest populations among the Latino population in New York City. Methods: Data on Latinos and other racial/ethnic groups were obtained from the 2000 Report of the U.S. Census Bureau, Summary File #4 – HCT4. Cases in the dataset were weighted and analyzed to produce population estimates.

Results: In 2000, the average rate of homeownership in New …

The Real Mortgage Costs, Leona K. Hawks, Tawnee Mccay

All Archived Publications

No abstract provided.

What If Your Mortgage Loan Is Rejected?, Leona K. Hawks, Tawnee Mccay

All Archived Publications

No abstract provided.

Completing A Mortgage Loan Application, Leona K. Hawks, Tawnee Mccay

All Archived Publications

No abstract provided.

Analysis Of Mortgage Lending Patterns In Omaha, Jack Ruff

Publications

This report utilizes home mortgage disclosure data from 21 Omaha lenders, gathered for a seven-year period from 1976 to 1982. Although all years were not available for all institutions, the data base still represented over 38,000 loans and $1 billion worth of lending.

Builders And Lenders Attitudes: The Nebraska Mortgage Finance Fund Use Of Fha 235 Housing, Jack Ruff, Peggy Hein

Publications

This report was originated by the Nebraska Department of Economic Development in an effort to gather information from builders and lenders concerning their perceptions of the appropriate functions of the Nebraska Mortgage Finance Fund. In gathering the information for the report, considerable time was given by the builders and lenders in order to share their thoughts, ideas, and concerns about the Nebraska Mortgage Finance Fund, and their use of the 235 program. Although some of the ideas were in conflict, those who read this report will find some common threads on which to build a program. Different interests have different …