The evidence from the FHA and FHFA is unequivocal: loan sales programs are highly valuable to taxpayers, borrowers, and investors.
Lenders would have issued 6.3 million additional mortgages between 2009 and 2015 if lending standards had been more reasonable.
Demand for the financial services offered by community development financial institutions is growing, but CDFIs must strengthen their finances.
How do we measure the effectiveness of community development financial institutions?
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.
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.
If we want to maintain a healthy housing market, we need to find effective ways to help minority households become sustainable homeowners.
Over the next 15 years, US communities will see their populations grow. But in rural areas, the increase will be mostly elderly citizens.