Homeownership And Americas Financial Underclass PDF Download
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Author | : Mechele Dickerson |
Publisher | : Cambridge University Press |
Total Pages | : 289 |
Release | : 2014-06-30 |
Genre | : Business & Economics |
ISBN | : 1107038685 |
Download Homeownership and America's Financial Underclass Book in PDF, ePub and Kindle
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.
Author | : Chloe N. Thurston |
Publisher | : Cambridge University Press |
Total Pages | : 275 |
Release | : 2018-05-03 |
Genre | : Business & Economics |
ISBN | : 1108422055 |
Download At the Boundaries of Homeownership Book in PDF, ePub and Kindle
"This book is about the ubiquity of boundaries in social, economic, and political life"--
Author | : Roberto G. Quercia |
Publisher | : Brookings Institution Press |
Total Pages | : 178 |
Release | : 2011 |
Genre | : Business & Economics |
ISBN | : 0815721722 |
Download Regaining the Dream Book in PDF, ePub and Kindle
The authors argue that, despite the downturn in the real estate market and the economy in general, affordable lending to home buyers can continue without all the risk-taking that led to the problems in the first place. Original.
Author | : William M. Rohe |
Publisher | : Cornell University Press |
Total Pages | : 332 |
Release | : 2007 |
Genre | : Business & Economics |
ISBN | : 9780801473616 |
Download Chasing the American Dream Book in PDF, ePub and Kindle
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 | : Nicolas P. Retsinas |
Publisher | : Brookings Institution Press |
Total Pages | : 512 |
Release | : 2004-05-28 |
Genre | : Political Science |
ISBN | : 0815706030 |
Download Low-Income Homeownership Book in PDF, ePub and Kindle
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 | : United States. Department of Housing and Urban Development |
Publisher | : |
Total Pages | : 124 |
Release | : 1995 |
Genre | : Government publications |
ISBN | : |
Download The National Homeownership Strategy Book in PDF, ePub and Kindle
Author | : Xiao Di Zhu |
Publisher | : |
Total Pages | : 32 |
Release | : 2005 |
Genre | : Home ownership |
ISBN | : |
Download The Importance of Wealth and Income in the Transition to Homeownership Book in PDF, ePub and Kindle
Author | : Brian J. McCabe |
Publisher | : Oxford University Press |
Total Pages | : 234 |
Release | : 2016 |
Genre | : Business & Economics |
ISBN | : 0190270462 |
Download No Place Like Home Book in PDF, ePub and Kindle
In No Place Like Home, Brian McCabe challenges the ideology of homeownership as a tool for building stronger communities and crafting better citizens. McCabe argues that homeowners often engage in their communities as a way to protect their property values, and this participation leads to the politics of exclusion.
Author | : Nancy Kwak |
Publisher | : University of Chicago Press |
Total Pages | : 340 |
Release | : 2015-11-04 |
Genre | : Business & Economics |
ISBN | : 022628235X |
Download A World of Homeowners Book in PDF, ePub and Kindle
In Latin America, Scandinavian housing experts explained that "housing is too important a commodity to be subjected to the same general market conditions as other goods", but the Americans ridiculed such a stance. The Cold War was fought with bricks and mortar, not just small, hot wars in poor places and the threat of nuclear Armageddon. Privatisation began in Malaysia in the 1940s; in West Germany, Taiwan, Burma and South Korea in the 1950s; India in 1964; Jordan in 1965; Brazil in 1966; Guatemala and Nigeria in 1967; and the Philippines (again) in 1968. In the 1960s, the US granted loans to expand the private housing sectors in Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Nicaragua, Panama, Peru, Uruguay and Venezuela. They began housing projects in Rhodesia, Zambia and Mali. They moved into Senegal in 1972, Botswana in 1973, Tanzania in 1974 and Kenya in 1975 - all the while spreading the American dream.
Author | : Eric S. Belsky |
Publisher | : Brookings Institution Press with the Joint Center for Housing Studies of Harvard University |
Total Pages | : 497 |
Release | : 2014-06-27 |
Genre | : Political Science |
ISBN | : 0815725647 |
Download Homeownership Built to Last Book in PDF, ePub and Kindle
The ups and downs in housing markets over the past two decades are without precedent, and the costs—financial, psychological, and social—have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliberate how homeownership can be made more sustainable, and discuss how best to balance affordability, access, and risk, particularly for minorities and lowincome families. Contributors: Eric S. Belsky (JCHS); Raphael W. Bostic (University of Southern California); Mark Calabria (Cato Institute); Kaloma Cardwell (University of California, Berkeley); Mark Cole (Hope LoanPort); J. Michael Collins (University of Wisconsin–Madison); Marsha J. Courchane (Charles River Associates); Andrew Davidson (Andrew Davidson and Co.); Christopher E. Herbert (JCHS); Leonard C. Kiefer (Freddie Mac); Alex Levin (Andrew Davidson and Co.); Adam J. Levitin (Georgetown University Law Center); Mark R. Lindblad (University of North Carolina at Chapel Hill); Jeffrey Lubell (Abt Associates); Patricia A. McCoy (University of Connecticut School of Law); Daniel T. McCue (JCHS); Jennifer H. Molinsky (JCHS); Stephanie Moulton (Ohio State University); john a. powell (University of California–Berkeley); Roberto G. Quercia (University of North Carolina at Chapel Hill); Janneke H. Ratcliffe (University of North Carolina); Carolina Reid (University of California–Berkeley); William M. Rohe (University of North Carolina at Chapel Hill); Rocio Sanchez-Moyano (JCHS); Susan Wachter (University of Pennsylvania); Peter M. Zorn (Freddie Mac)