A Streamlined Home Refinancing Program Would Lower Monthly Payments and Prevent Defaults

Streamlined refinancing could reduce default risk among borrowers with low credit scores.

Down Payment Assistance Focused on First-Generation Buyers Could Help Millions Access the Benefits of Homeownership

Down payment assistance for first-generation buyers could reduce intergenerational wealth disparities.

Housing Vouchers Have Helped Tenants and Landlords Weather the Pandemic

Evidence shows voucher holders owe less back rent than those without vouchers.

Housing Trends in Newark, New Jersey, Illustrate How the COVID-19 Recession Has Affected Black and Hispanic Homeowners

The homeownership rate in Newark is low, with rates for Black and Hispanic households near that of white households. At the same time, the majority of homeowners in Newark are Black and Hispanic households.

More Women Have Become Homeowners and Heads of Household. Could the Pandemic Undo That Progress?

Women's gains in homeownership have been made possible, in large part, by gains in education relative to men, though the income gap persists.

Adopting Alternative Data in Credit Scoring Would Allow Millions of Consumers to Access Credit

Our traditional system of credit reporting works well for those with established credit histories, but it unfairly penalizes people who don’t use credit.

Landlords and Tenants Need More Information on Rental Assistance and Eviction Moratorium Policies

Most landlords and tenants are not familiar with the programs designed to support them.

Why Automated Home Valuation Technology Errors Disproportionately Affect Majority-Black Neighborhoods

Data show lower sales prices heighten the percentage magnitude of automated valuation model error in majority-Black neighborhoods.

Many People are Behind on Rent. How Much Do They Owe?

Estimates of back rent owed by early 2021 range from $8.4 billion to $52.6 billion.