Using homes as ATMs, not homebuying fervor, was more to blame for the housing crisis

The presence of risky products, not increased lending to riskier borrowers, was a bigger contributor to the 2008 housing crisis.

What will happen when the Fed starts unwinding its $1.75 trillion mortgage portfolio?

The Fed began buying mortgage-backed securities in 2009 to support a then-fragile housing market, and is now the single largest holder.

The Trump budget for unhealthy housing

Proposed cuts to HUD’s housing assistance, healthy housing, and housing improvement programs would keep many families in substandard, unhealthy homes.

Innovations in credit scoring could help more families become first-time homebuyers

Credit scores are critical in determining whether a lender will consider a borrower’s loan application, but current scoring methods leave many behind.

Fannie and Freddie eased access to credit. Now it’s the FHA’s turn

Credit is tight largely because lenders are imposing even more stringent standards than those required by the entities that guarantee or insure these loans.

The HUD inspector general’s criticism of state down payment assistance programs is misplaced

Contrary to recent criticism, state down payment assistance programs are helpful for borrowers and present minimal risk to FHA’s finances.

Everyone benefits when the financial sector serves people with volatile income

Each year, roughly one in four American families will face an “income shock,” like losing a job or experiencing a sudden health or work limitation.

Six ways rising interest rates will affect the housing and mortgage markets

After three decades of decline, mortgage interest rates have started to rise. What does this mean for the housing and mortgage markets?

What’s stopping seniors from accessing the wealth stored in their home equity?

Senior homeowners could access more than $3 trillion in home equity, but few are interested in tapping this resource to meet retirement financial needs.

Are gains in black homeownership history?

Gains in black homeownership have been hard won, yet lately black homeownership rates have declined to levels not seen since the 1960s.