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Low-Income Homeownership

Examining the Unexamined Goal

Low-Income Homeownership by Nicolas P. Retsinas
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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.

Brookings Institution Press; January 2002
512 pages; ISBN 9780815706038
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Title: Low-Income Homeownership
Author: Nicolas P. Retsinas; Eric S. Belsky
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