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Articles and analysis on today's issues
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Easing the affordability crisis and increasing economic security requires policies that both reduce costs and boost workers’ earnings.
How Credit Score Shopping Might Affect Federal Mortgage Lending and the Perceived Risk of Default Shopping a credit score to report the higher option may make homeownership more affordable for buyers but would significantly increase the perceived default risk and reduce revenue for the government-sponsored enterprises.Changing the Area Median Income Calculations Will Imperil the FHFA’s Affordable Housing Goals Recent changes to the AMI calculation implemented by HUD and another proposed by the Federal Housing Finance Agency could dilute Fannie Mae and Freddie Mac’s affordable housing goals.Could New Financing Models for Mixed-Income Housing Improve Housing Supply and Affordability? We explore the growth in state and local mixed-income housing finance programs and offer lessons learned from Massachusetts’s program.America’s Affordability Crisis Is About More Than Rising Costs Easing the affordability crisis and increasing economic security requires policies that both reduce costs and boost workers’ earnings.High Housing Costs Are Keeping More Young Adults in Their Parents’ Homes The share of young adults living with their parents has increased across all metropolitan areas and all income groups, with the highest increases in more unaffordable markets for those with low incomes.Recommendations for Building Trustworthy AI Systems for Research and Practice Insights Investment in data readiness and collaboration with experts in the underlying evidence are key for building trustworthy AI tools.
