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Proposed cuts to HUD’s housing assistance, healthy housing, and housing improvement programs would keep many families in substandard, unhealthy homes.
Credit scores are critical in determining whether a lender will consider a borrower’s loan application, but current scoring methods leave many behind.
Credit is tight largely because lenders are imposing even more stringent standards than those required by the entities that guarantee or insure these loans.
Contrary to recent criticism, state down payment assistance programs are helpful for borrowers and present minimal risk to FHA’s finances.
After three decades of decline, mortgage interest rates have started to rise. What does this mean for the housing and mortgage markets?
Children tend to be forgotten in debates on public housing policies, and few policy or program initiatives respond to the challenges they face.
By shifting subsidies from rental vouchers to homeownership vouchers, HUD could pave the way for many more families to reach homeownership.
Senior homeowners could access more than $3 trillion in home equity, but few are interested in tapping this resource to meet retirement financial needs.
Gains in black homeownership have been hard won, yet lately black homeownership rates have declined to levels not seen since the 1960s.
A more accurate way of measuring mortgage denial rates confirms that it’s harder to get a mortgage today than it was before the housing crisis.

How Can We Reduce Poverty and Increase Opportunity?

SERIES

How Can We Reduce Poverty and Increase Opportunity?

More than 48 million Americans, including one in six children, live in poverty. How can we do better?

From Protest to Policy

SERIES

From Protest to Policy

Our researchers offer evidence-based solutions to some of the problems faced by poor, mostly minority communities in Baltimore and other US cities.

Elevating the 2016 Debate

2016 ANALYSIS

Elevating the 2016 Debate

A resource for anyone seeking objective evidence with which to interpret presidential candidates’ policy promises, claims, and arguments.

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Urban Wire Writers