Selling distressed loans to investors significantly cuts foreclosure rates

The evidence from the FHA and FHFA is unequivocal: loan sales programs are highly valuable to taxpayers, borrowers, and investors.

Increasing access to mortgages for minorities

Over the past 10 years, the mortgage lending environment has seen a large swing in credit availability. The effects have been most dramatic for minority populations

Overly tight credit killed 1.1 million mortgages in 2015

Lenders would have issued 6.3 million additional mortgages between 2009 and 2015 if lending standards had been more reasonable.

Four ideas for strengthening the finances of community development financial institutions

Demand for the financial services offered by community development financial institutions is growing, but CDFIs must strengthen their finances.

Six ideas to help community development financial institutions better demonstrate their impact

How do we measure the effectiveness of community development financial institutions?

Welcome growth in VA lending is another reason to enhance nonbank regulation

The growth of the VA's share of the government-insured market has increased the VA’s risk exposure to thinly regulated nonbank financial institutions.

Widespread credit blemishes may well be holding back our economic recovery

The seven million foreclosures that occurred between 2004 and 2015 fueled the Great Recession. But the role of adverse public records is just as significant.

What will it take to fight zombie mortgages?

The walking dead haunt the land of real estate finance.

How NeighborWorks America’s programs help underserved borrowers get and keep their own homes

If we want to maintain a healthy housing market, we need to find effective ways to help minority households become sustainable homeowners.

People and homes are aging quickly in our rural communities

Over the next 15 years, US communities will see their populations grow. But in rural areas, the increase will be mostly elderly citizens.