How the Federal Housing Administration Affects Homeownership PDF Download
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Author: Albert Monroe
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 58
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Author: Albert Monroe
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 58
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Book Description
Author: David J. Reiss
Publisher:
ISBN:
Category :
Languages : en
Pages : 27
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Book Description
The United States Federal Housing Administration (“FHA”) has been a versatile tool of government since it was created during the Great Depression. It achieved success with some of its goals and had a terrible record with others. Its impact on African-American households falls, in many ways, into the latter category. The FHA began redlining African-American communities at its very beginning. Its later days have been marred by high default and foreclosure rates in those same communities.At the same time, the FHA's overall impact on the housing market has been immense. Over its lifetime, it has insured more than 40 million mortgages, helping to make home ownership available to a broad swath of American households. And indeed, the FHA mortgage was central to America's transformation from a nation of renters to homeowners. The early FHA really created the modern American housing finance system, as well as the look and feel of postwar suburban communities.Recently, the FHA has come under attack for the poor execution of some of its policies to expand homeownership, particularly minority homeownership. Leading commentators have called for the federal government to stop employing the FHA to do anything other than provide liquidity to the low end of the mortgage market. These critics' arguments rely on a couple of examples of programs that were clearly failures, but they fail to address the FHA's long history of undertaking comparable initiatives. This Article takes the long view and demonstrates that the FHA has a history of successfully undertaking new homeownership programs. At the same time, the Article identifies flaws in the FHA model that should be addressed in order to prevent them from occurring if the FHA were to undertake similar initiatives to expand homeownership opportunities in the future, particularly for African-American households.
Author: United States. General Accounting Office
Publisher:
ISBN:
Category : Government insurance
Languages : en
Pages : 84
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Author:
Publisher: DIANE Publishing
ISBN: 1428978364
Category :
Languages : en
Pages : 84
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Book Description
Author: Chloe N. Thurston
Publisher: Cambridge University Press
ISBN: 1108386547
Category : Political Science
Languages : en
Pages : 275
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Book Description
In the United States, homeownership is synonymous with economic security and middle-class status. It has played this role in American life for almost a century, and as a result, homeownership's centrality to Americans' economic lives has come to seem natural and inevitable. But this state of affairs did not develop spontaneously or inexorably. On the contrary, it was the product of federal government policies, established during the 1930s and developed over the course of the twentieth century. At the Boundaries of Homeownership traces how the government's role in this became submerged from public view and how several groups who were locked out of homeownership came to recognize and reveal the role of the government. Through organizing and activism, these boundary groups transformed laws and private practices governing determinations of credit-worthiness. This book describes the important policy consequences of their achievements and the implications for how we understand American statebuilding.
Author: United States. Congress. House. Committee on Financial Services
Publisher:
ISBN:
Category : Federal aid to housing
Languages : en
Pages : 96
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Author: United States Conference of Mayors
Publisher:
ISBN:
Category : Discrimination in mortgage loans
Languages : en
Pages : 20
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Author: United States. Housing and Home Finance Agency
Publisher:
ISBN:
Category :
Languages : en
Pages : 86
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Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Housing, Community Development, and Insurance
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 54
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Book Description
Author: United States. Federal Housing Administration
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 258
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Book Description
