Building Assets, Building Credit: Creating Wealth in Low-Income Communities

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Overview

Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders.

In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.

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Product Details

  • ISBN-13: 9780815774099
  • Publisher: Brookings Institution Press and Harvard University Joint Center for Housing Studies
  • Publication date: 8/28/2005
  • Series: James A. Johnson Metro Series
  • Edition description: New Edition
  • Pages: 400
  • Product dimensions: 6.10 (w) x 9.20 (h) x 1.10 (d)

Meet the Author

Nicolas P. Retsinas is director of Harvard University's Joint Center for Housing Studies and a member of the faculty of the Harvard Graduate School of Design, the Kennedy School of Government, and Business School. Eric S. Belsky is managing director of the Joint Center for Housing Studies and a lecturer in the Harvard Graduate School of Design. Edward Gramlich is a member of the Board of Governors of the Federal Reserve System.

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Table of Contents

FOREWORD by Edward Gramlich
ACKNOWLEDGMENTS
1. NEW PATHS TO BULIDING ASSETS FOR THE POOR by Eric S. Belsky and
Nicolas P Retsinas
2. CREDIT MATTERS: BUILDING ASSETS IN A DUAL FINANCIAL SERVICE SYSTEM by
Eric S. Belsky and Allegra Calder

PART I: MAKING CHOICES
INTRODUCTION by George McCarthy
3. TO BANK OR NOT TO BANK? A SURVEY OF LOW-INCOME HOUSEHOLDS by
Christopher Berry
4. REFINANCE AND THE ACCUMULATION OF HOME EQUITY WEALTH by Frank E.
Northaft and Yan Chang

PART II: BEYOND PRIME
INTRODUCTION by Edward Golding
5. CHANGING INDUSTRIAL ORGANIZATION OF HOUSING FINANCE AND CHANGING ROLE OF COMMUNITY-BASED ORGANIZATIONS by William C. Apgar and Allen J.
Fishbein
6. EXPLORING THE WELFARE EFFECTS OF RISK-BASED PRICING IN THE SUBPRIME MORTGAGE MARKET by J. Michael Collins, Eric S. Belsky, and Karl E. Case

PART III: KEEPING SCORE INTRODUCTION by Stephen Brobeck
7. HITTING THE WALL: CREDIT AS AN IMPEDIMENT TO HOMEOWNERSHIP by Raphael
W. Bostic, Paul S. Calem and Susan M. Wachter
8. CREDIT SCORING'S ROLE IN INCREASING HOMEOWNERSHIP FOR UNDERSERVED
POPULATIONS by Hollis Fishelson-Holstine 

PART IV: ROLE OF REGULATION
INTRODUCTION by Allegra Calder
9. MODES OF CREDIT MARKET REGULATION by Michael S. Barr
10. ACCURACY IN CREDIT REPORTING by Michael E. Staten and Fred H. Cate 
11. COST-BENEFIT ANALYSIS OF DEBTOR PROTECTION RULES IN SUBPRIME MARKET
DEFAULT SITUATIONS by Duncan Kennedy 

PART V: WORKING TOWARD SOLUTIONS
INTRODUCTION by Ken Wade
12. INSTITUTIONS AND INCLUSION IN SAVING POLICY by Michael Sherraden and
Michael S. Barr
13. UNBANKED TO HOMEOWNER: IMPROVING FINANCIAL SERVICES FOR LOW-INCOME, LOW-ASSET CUSTOMERS by Ellen Seidman and Jennifer Tescher 
14. INNOVATIVE SERVICING TECHNOLOGY: SMART ENOUGH TO KEEP PEOPLE IN THEIR HOUSES? by Amy Crews Cutts and Richard K. Green CONTRIBUTORS INDEX

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