Homeownership Built to Last: Balancing Access, Affordability, and Risk after the Housing Crisis

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Homeownership Built to Last 00-2564-0 fm.indd 1 5/14/14 11:51 AM 00-2564-0 fm.indd 2 5/14/14 11:51 AM Homeownership Built to Last Balancing Access, Affordability, and Risk after the Housing Crisis Eric S. Belsky Christopher E. Herbert Jennifer H. Molinsky Editors Joint Center for Housing Studies Harvard University Cambridge, Massachusetts Brookings Institution Press Washington, D.C. 00-2564-0 fm.indd 3 5/14/14 11:51 AM Copyright © 2014 the brookings institution 1775 Massachusetts Avenue, N.W., Washington, DC 20036. www.brookings.edu All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means without permission in writing from the Brookings Institution Press. The Brookings Institution is a private nonprofit organization devoted to research, education, and publication on important issues of domestic and foreign policy. Its principal purpose is to bring the highest quality independent research and analysis to bear on current and emerging policy problems. Interpretations or conclusions in Brookings publications should be understood to be solely those of the authors. Library of Congress Cataloging-in-Publication data Homeownership built to last : balancing access, affordability, and risk after the housing crisis / Eric S. Belsky, Christopher E. Herbert, and Jennifer H. Molinsky, Editors, Joint Center for Housing Studies, Harvard University, Cambridge, Massachusetts. pages cm Includes bibliographical references and index. ISBN 978-0-8157-2564-0 (pbk. : alk. paper) 1. Home ownership—United States. 2. Mortgage loans—United States. 3. Housing—United States—Finance. I. Belsky, Eric S., editor of compilation. HD7287.82.U6H664 2014 333.33'80973—dc23 2014015497 9 8 7 6 5 4 3 2 1 Typeset in Adobe Garamond Composition by Cynthia Stock Silver Spring, Maryland 00-2564-0 fm.indd 4 5/14/14 11:51 AM ...