Low-Income Homeownership: Examining the Unexamined Goal
- ISBN-10
- 0815706030
- ISBN-13
- 9780815706038
- Category
- Political Science
- Pages
- 495
- Language
- English
- Published
- 2004-05-28
- Publisher
- Brookings Institution Press
- Authors
- Eric S. Belsky, Nicolas P. Retsinas
Description
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.
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