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Articles and analysis on today's issues
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Federal cuts to the Supplemental Nutrition Assistance Program could cause some DC-area families to lose an average of $187 in monthly benefits.
VA Home Loans Have Several Advantages but Could Do More to Support Military Members Facing Financial Hardship Although the VA home loan program offers low down payments and low interest rates, it fails to offer the full range of relief options to former and current service members experiencing financial distress.Housing Finance Innovations Offer Promise in Today’s High-Interest-Rate, High-Cost Environment Innovative approaches that public-sector and nonprofit financial services providers are taking to tackle housing affordability could be game-changers for renters—especially those with low incomes.Many Families Are Taking on Debt to Pay for Groceries The upcoming reauthorization of the Farm Bill comes at a time when many families are turning to credit card debt, payday loans, savings, and Buy Now, Pay Later options to put food on their tables.Apprenticeships Can Help Train Appraisers to Reduce Racial Bias in Home Valuations With the aging appraiser workforce unrepresentative of American homeowners, registered apprenticeships offer a solution to address long-standing racial discrimination in the industry.The Homebuying Process Is Complicated Enough. Language Barriers Pose Additional Challenges Tens of millions of Americans have limited English proficiency. Improving language access in the mortgage market could help more households access homeownership and help lenders tap new markets.Freddie Mac’s Second Mortgage Proposal Is Consumer Friendly Urban Institute experts offer evidence about the proposal’s potential benefits for borrowers, respond to arguments against the proposal, and suggest additional disclosure to increase the product’s transparency and usefulness to the public.
