A generation ago little attention was focused on low-income
homeownership. Today homeownership rates among under-served groups,
including low-income households and minorities, have risen to
record levels. These groups are no longer at the margin of the
housing market; they have benefited from more flexible underwriting
standards and greater access to credit. However, there is still a
racial/ethnic gap and the homeownership rates of minority and
low-income households are still well below the national average.
This volume gathers the observations of housing experts on
low-income homeownership and its effects on households and
communities. The book is divided into five chapters which focus on
the following subjects: homeownership trends in the 1990s;
overcoming borrower constraints; financial returns to low-income
homeowners; low-income loan performance; and the socioeconomic
impact of homeownership.
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