Low Income Homeownership PDF Download
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Author | : Nicolas P. Retsinas |
Publisher | : Brookings Institution Press |
Total Pages | : 524 |
Release | : 2004-05-28 |
Genre | : Political Science |
ISBN | : 9780815706038 |
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 | : William M. Rohe |
Publisher | : Cornell University Press |
Total Pages | : 326 |
Release | : 2018-07-05 |
Genre | : Social Science |
ISBN | : 1501731130 |
Download Chasing the American Dream Book in PDF, ePub and Kindle
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 | : United States. Internal Revenue Service |
Publisher | : |
Total Pages | : 8 |
Release | : 1985 |
Genre | : Income averaging |
ISBN | : |
Download Income Averaging Book in PDF, ePub and Kindle
Author | : Shane Phillips |
Publisher | : Island Press |
Total Pages | : 282 |
Release | : 2020-09-15 |
Genre | : Political Science |
ISBN | : 1642831336 |
Download The Affordable City Book in PDF, ePub and Kindle
From Los Angeles to Boston and Chicago to Miami, US cities are struggling to address the twin crises of high housing costs and household instability. Debates over the appropriate course of action have been defined by two poles: building more housing or enacting stronger tenant protections. These options are often treated as mutually exclusive, with support for one implying opposition to the other. Shane Phillips believes that effectively tackling the housing crisis requires that cities support both tenant protections and housing abundance. He offers readers more than 50 policy recommendations, beginning with a set of principles and general recommendations that should apply to all housing policy. The remaining recommendations are organized by what he calls the Three S’s of Supply, Stability, and Subsidy. Phillips makes a moral and economic case for why each is essential and recommendations for making them work together. There is no single solution to the housing crisis—it will require a comprehensive approach backed by strong, diverse coalitions. The Affordable City is an essential tool for professionals and advocates working to improve affordability and increase community resilience through local action.
Author | : United States. Department of Housing and Urban Development |
Publisher | : |
Total Pages | : 120 |
Release | : 1995 |
Genre | : Government publications |
ISBN | : |
Download The National Homeownership Strategy Book in PDF, ePub and Kindle
Author | : Sylvia Black |
Publisher | : Sylvia Black |
Total Pages | : 306 |
Release | : 2020-01-28 |
Genre | : Business & Economics |
ISBN | : 1078749051 |
Download Buy a Home With Your Section 8 Homeownership Voucher Region II Book in PDF, ePub and Kindle
The contents of this book are being provided for informational purposes only. It is not intended to provide legal advice and should not substitute for the advice of an experienced real estate attorney. Also, the links and references to web sites and organizations are provided for informational purposes only. Affordable Homes and Apartments do not endorse any specific organization or web site and does not suggest that one source should be utilized to the exclusion of another and cannot guarantee approval. Section 8 Homeownership. HUD's Section 8 housing vouchers are normally used to subsidize the rental housing expenses of eligible recipients. However, HUD offers a way for Section 8 voucher recipients to have their homeownership expenses subsidized when they qualify to purchase homes. If you wish to purchase your first home but need help meeting the monthly mortgage and other homeownership expenses, there a program that will help you it is called the Homeownership Voucher Program. Section 8 Housing Choice Voucher eligibility is based on income, not assets. So, it is possible to own a house or other real estate and still qualify for Section 8. However, income for the purposes of determining Section 8 eligibility must include the income you earn from these assets. Although this program is primarily designed for working families, elderly and disabled persons and families also qualify. Current participants include single and two-parent families, grandparents and single individuals. The minimum income requirements for participation include a stable monthly income such as wages from full-time employment, Social Security or other pension benefits. The minimum annual income eligibility also varies by county. The family must be a HCR Section 8 participant for at least one year, and be a first-time home owner, or single-parent displaced homemaker.
Author | : Robert Taggart |
Publisher | : Johns Hopkins University Press |
Total Pages | : 170 |
Release | : 1970 |
Genre | : Housing |
ISBN | : |
Download Low-income Housing: a Critique of Federal Aid Book in PDF, ePub and Kindle
Author | : |
Publisher | : |
Total Pages | : 1130 |
Release | : 1987 |
Genre | : Housing policy |
ISBN | : |
Download A New National Housing Policy Book in PDF, ePub and Kindle
Author | : Elizabeth J. Mueller |
Publisher | : Taylor & Francis |
Total Pages | : 568 |
Release | : 2022-07-14 |
Genre | : Architecture |
ISBN | : 1000594823 |
Download The Affordable Housing Reader Book in PDF, ePub and Kindle
This second edition of The Affordable Housing Reader provides context for current discussions surrounding housing policy, emphasizing the values and assumptions underlying debates over strategies for ameliorating housing problems experienced by low-income residents and communities of color. The authors highlighted in this updated volume address themes central to housing as an area of social policy and to understanding its particular meaning in the United States. These include the long history of racial exclusion and the role that public policy has played in racializing access to decent housing and well-serviced neighborhoods; the tension between the economic and social goals of housing policy; and the role that housing plays in various aspects of the lives of low- and moderate-income residents. Scholarship and the COVID-19 pandemic are raising awareness of the link between access to adequate housing and other rights and opportunities. This timely reader focuses attention on the results of past efforts and on the urgency of reframing the conversation. It is both an exciting time to teach students about the evolution of United States’ housing policy and a challenging time to discuss what policymakers or practitioners can do to effect positive change. This reader is aimed at students, professors, researchers, and professionals of housing policy, public policy, and city planning.
Author | : United States. Department of Housing and Urban Development |
Publisher | : |
Total Pages | : 102 |
Release | : 1968 |
Genre | : Housing |
ISBN | : |
Download Homeownership Assistance for Purchase and Resale of Housing to Lower Income Families Under Sections 235 (j) and 221 (h) Book in PDF, ePub and Kindle