Evidence Matters | HUDU SER

Housing Finance (Spring 2016)

Message from the Assistant Secretary

This edition of Evidence Matters considers challenges and strategies related to housing finance and homeownership. It discusses barriers to buying a home, such as tightened access to mortgage credit, as well as the growing number of older homeowners with mortgage debt. This edition also considers the importance of high-quality, independent homeownership education and counseling. These issues are critical as HUD works to promote and expand sustainable homeownership.

The Office of Policy Development and Research (PD&R) is deeply involved in HUD’s work related to housing finance and homeownership. PD&R publishes regular analyses of national, regional, state, metropolitan, and local housing markets as well as the National Housing Scorecard, which is produced in partnership with the Department of the Treasury. Staff in our office monitor and analyze current trends in the health of the housing and mortgage markets such as foreclosures, home values, and credit terms, informing decisions throughout HUD.

FULL MESSAGE

Pressing Challenges in Housing Finance: Credit Access and Seniors’ Mortgage Debt

The Evidence on Homeownership Education and Counseling

Increasing Access to Sustainable Mortgages for Low-Income Borrowers

Additional Resources

EDITOR Rachelle Levitt	MANAGING EDITOR Keith Fudge
AUTHORS Chase Sackett (HUD) and Sage Computing staff	GUEST MANAGING EDITOR Chase Sackett

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The contents of this article are the views of the author(s) and do not necessarily reflect the views or policies of the U.S. Department of Housing and Urban Development or the U.S. Government.

Note: Guidance documents, except when based on statutory or regulatory authority or law, do not have the force and effect of law and are not meant to bind the public in any way. Guidance documents are intended only to provide clarity to the public regarding existing requirements under the law or agency policies.