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Civil Rights Groups Join Housing Industry and Affordable Housing Advocates to Urge Reconsideration of Proposed Capital Rules That Would Have 'Devastating Impact' on First-Time Homebuyers

Civil Rights Groups Join Housing Industry and Affordable Housing Advocates to Urge Reconsideration of Proposed Capital Rules That Would Have 'Devastating Impact' on First-Time Homebuyers
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Washington , United-states , America , American , Martin-gruenberg , Davidm-dworkin , States-unidos , Laurie-goodman , Freddie-mac , Jun-zhu , Michael-hsu , Michael-barr

New Cityscape Double Issue Examines Reentry Housing After Jail or Prison and Recent Zoning Reforms

The newest edition of Cityscape: A Journal of Policy Development and Research presents two symposia sponsored by the U.S. Department of Housing and Urban Development (HUD). The first features research on housing challenges faced by individuals exiting incarceration and programs to help them. The second examines recent changes in zoning. Symposium: Reentry Housing After Jail or Prison Guest editor Calvin C.Johnson introduces the symposium on reentry and housing. The articles in this issue provide insight about reentry and housing challenges and programs seeking to improve outcomes for individuals exiting incarceration. Elizabeth L. Beck, Natasha N. Johnson, Sommer Delgado, Victoria Helmly, Susan A. McLaren, Alice Prendergast, Leigh Alderman, Lorenzo Almada, Brian Bride, Eric Napierala, and William J. Sabol explore formerly incarcerated people's (FIP) access to housing using data from an evaluation of three Second Chance Act grantees. The study highlights the distinctive approaches three programs in three regions have in addressing housing needs. David S. Kirk reports early outcomes from the Maryland Opportunities through Vouchers Experiment (MOVE), and qualitative comparison of post-release experiences between treatment and control group participants. Sarah B. Hunter and Stephanie Mercier present an overview of Los Angeles County's first Pay for Success (PFS) initiative, which aimed to provide long-term housing and supportive services as an alternative to jail for individuals with a history of homelessness and chronic health conditions. Niloufer Taber, Jacqueline Altamirano Marin, and John Bae study the denial of housing to individuals with a conviction history living in Michigan and Oklahoma, highlighting policies that exclude them from renting or joining a lease. Symposium: Recent Reforms in Zoning Noah M. Kazis introduces the second symposium, which examines recent efforts to make land-use zoning less restrictive and more conducive to increasing the housing supply. Nicholas J. Marantz, Christopher S. Elmendorf, and Youjin B. Kim analyze permitting for accessory dwelling units (ADUs) in the Bay Area and southern California in the wake of laws adopted to facilitate the development of ADUs. Paavo Monkkonen, Michael Manville, Michael Lens, Aaron Barrall, and Olivia Arena examine California’s housing planning system and the relationship between housing targets and rezoning, finding that larger increases in targets are associated with more rezoning. Moira O’Neill and Ivy Wang investigate the impact of California’s Senate Bill 35, which facilitates ministerial approval for development in communities that have failed to meet their housing production targets in prior years. Jake Wegmann, Aabiya Noman Baqai, and Josh Conrad examine the impact of a 1998 reform in Houston that enabled a boom in townhouse construction and what other localities might expect if they enacted similar reforms. Leah Brooks and Jenny Schuetz investigate the relationship between increases in infill development in Washington D.C. and zoning changes. Joseph Weil Huennekens examines the loosening of zoning restrictions in Ramapo, New York over the course of several decades, and finds that the introduction of multifamily zoning can increase housing production. Jacob Krimmel and Betty Wang analyze the impact of Seattle’s Mandatory Housing Affordability program on new home construction and developer behavior, finding that developers strategically avoided siting projects in areas subject to affordability requirements despite upzoning. Refereed Papers This issue of Cityscape includes two refereed papers. Alastair I. Matheson, Danny V. Colombara, Annie Pennucci, Tyler Shannon, Andy Chan, Megan Suter, and Amy A. Laurent examine the negative and positive factors associated with different types of exits from HUD-supported housing and their implications for policies and programs. Linking data from two large public housing authorities to the information systems of other agencies, the authors found that certain demographics and lived experiences affected the odds of exit. The model in this study in using linked datasets can help PHAs consider factors, such as physical and mental health conditions or previously experiencing homelessness, that impact tenant outcomes. Brian Y. An, Andrew Jakabovics, Jing Liu, Anthony W. Orlando, Seva Rodnyansky, Richard Voith, Sean Zielenbach, and Raphael W. Bostic study the Low-Income Housing Tax Credit (LIHTC) program's impact on housing prices in Los Angeles and address concerns about potential negative impacts. Despite critics' suspicions, the research shows that LIHTC-financed properties have positive spillover effects on housing prices in their surrounding communities. The findings can assist policymakers in maximizing the secondary benefits of affordable housing developments. Departments Data Shop: A Statistical Machine Learning Approach to Identify Rental Properties From Public Data Sources by Daniel Kuhlmann, Jane Rongerude, Lily Wang, and GuanNan Wang; Veteran and Nonveteran Homelessness Rates: New Estimates by Brent D. Mast Graphic Detail: Exploring the Relationship Between Child Opportunity and Violent Crime Rates in West Virginia Counties by Brent D. Mast and Tricia Ruiz; Exits From HUD Assistance and Moves to Higher Poverty Neighborhoods Following the Camp Fire by Alexander Din Industrial Revolution: Hiding in Plain Sight: How Reconsideration of Codes for Existing and Historic Buildings Can Expand Affordable Housing by Marilyn E. Kaplan and Mike Jackson Policy Briefs: Mortgage Risk and Disparate Impact Associated With Student Debt by Kevin A. Park and Joshua J. Miller To subscribe to Cityscape, please click here.

Maryland , United-states , California , Ramapo , New-york , Oklahoma , Washington , Los-angeles-county , West-virginia , Michigan , Houston , Texas

Mortgage risk to spike in 2023 – PEXA

New report explores the impact of rate hikes, steep house prices, and cost of living pressure on recent home buyers

Avalon-beach , New-south-wales , Australia , Balwyn , Victoria , Maleny , Queensland , Sydney , Noosaville , Tallebudgera , Balwyn-north , Australian

MSNBC Reports

holtz eakin, former chief economist, former director of the congressional budget office, and now president of the american action forum. thank you for being with us here we touched on this with peter, but you also say this is nothing like what we saw post 2008 financial crisis how so and are there any warning signs you're looking for that could change your mind >> well if you think back to the 2008 crisis, the hallmarks were investments that were sometimes not on the bank's balance sheet, when they were, they were in these derivatives and highly leveraged complicated assets that no one could understand their value and they all turned out to have mortgage risk in them there was a lack of transparency, a big part of the difficulty in diagnosing who was in trouble and who wasn't. that's not what happened at silicon valley bank. they clearly mismanaged their capital and depositors, so

President , Peter-baker , Chief-economist , Nothing , Director , Congressional-budget-office , The-american-action-forum , 2008 , Bank-of-america , Crisis , Warning , Hallmarks

MBA, U/W, AE, Construction Lending Jobs; Multimedia, Jumbo, Warehouse, Rental Products; Lenders React to GSE Changes

MBA, U/W, AE, Construction Lending Jobs; Multimedia, Jumbo, Warehouse, Rental Products; Lenders React to GSE Changes
mortgagenewsdaily.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from mortgagenewsdaily.com Daily Mail and Mail on Sunday newspapers.

Lakeview , Indiana , United-states , Cherry-creek , Florida , United-kingdom , Michigan , Chicago , Illinois , Britain , America , American

Sustained home price growth may hold risk for mortgages: study

Sustained home price growth may hold risk for mortgages: study
nationalmortgagenews.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from nationalmortgagenews.com Daily Mail and Mail on Sunday newspapers.

Cityscape-financial-corp , Department-of-veterans-affairs , National-association-of-realtors , Housing-finance-agency , Federal-housing-finance-agency , Great-recession , Quarter-century , Mortgage-risk , National-association , Great-financial , Great-financial-crisis

How COVID-19 expedited the need for AIV | Mortgage Introducer

Spencer Wyer is VP of products and solutions at Hometrack, part of Zoopla
COVID-19 has proved to be a forcing function for the financial services industry. Driving unpredictable changes in market volumes from lockdown lows through to mortgage payment holidays, and on to stamp duty holiday highs, it has also exerted significant stress on lenders, culminating in delays and exposing weaknesses across the mortgage journey.
Income and expenditure verification is a case in point. A labour intensive activity for consumers, brokers and lenders alike, challenges around verification were amplified during lockdown when the vast majority of the industry was forced to work from home, all the while grappling with an exponential mortgage pipeline. The review and approval of mortgage applications – and specifically the supporting documents – were blighted by a manual and disconnected processes.

Spencer-wyer , Mortgage-risk , Open-banking , ஸ்பென்சர்-வயர் , அடமானம்-ஆபத்து , திறந்த-வங்கி ,

Detailed text transcripts for TV channel - MSNBC - 20170309:06:47:00

the big banks to do things they really shouldn't have done and brought us all to our niece. and we're now talking about trying to let them loose seems to me insane. but who knows what they're going to do. >> what would you say, michael, is the single biggest thing at risk in some of the proposals you've heard what republicans want to do to dodd/frank? >> you know, there have been so many things said. if i was monitoring it from afar, not wanting to read the dodd/frank regulation and i just as a concerned citizen, i would watch first, they don't change the leverage requirements on banks. they should be -- the equity requirement should be greater than they are. but at the very least, they should not be reduced. the volcker rule, some republicans say the volcker rule had nothing whatsoever to do with the financial crisis. the huge banks loaded up on subprime mortgage risk. much of it disguised. it was hard to know who had what. that was the heart of the crisis. the rule that prevents them

Thing , Things , Us- , Some , Michael-lewis , Banks , Risk , Shouldn-t , Proposals , Niece , Republicans , Dodd

Detailed text transcripts for TV channel - MSNBC - 20170309:03:48:00

banks. they should be -- the equity requirement should be greater than they are. but at the very least, they should not be reduced. the volcker rule, some republicans say the volcker rule had nothing whatsoever to do with the financial crisis. the huge banks loaded up on subprime mortgage risk. much of it disguised. it was hard to know who had what. that was the heart of the crisis. the rule that prevents them turning themselves into hedge funds using taxpayer money, that's a very important thing to keep in place. the consumer financial protection bureau. that makes imminent sense to have a place that serves as a watchdog. i would keep an eye on those things and make sure they don't fiddle with them. >> michael lewis, thank you so much for joining us tonight, and giving us finally the key to the mystery of donald trump. anyone who really wants to understand donald trump had better go back and read "moneyball." and if you're lazy, watch the movie. michael, make a penny or two either way.

Republicans , Nothing-he-doesnt-lie-about , Banks , Requirement , Volcker-rule , Public-isnt-buying-it , Heart , Crisis , What , Rule , Mortgage-risk , Hedge-funds

Detailed text transcripts for TV channel - MSNBC - 20120614:11:43:00

middle-class families across america? >> you know, arianna, that's exactly the right question. let's just do it this way. it was the deregulation of the financial services industry that broke the consumer credit market and put families at risk in mortgages, in credit cards, ultimately in student loans. this economy was broken. one lousy mortgage at a time. and then when those big financial institutions had loaded up on all that mortgage risk and broke the economy, it cost people jobs, it caucost pe their homes, pensions, their savings. it cost us this economy. kids are graduating from college today and can't get jobs. why? because of the crisis that occurred in 2008, from the largest financial institutions including jpmorgan chase, loading up on risk, the bets going bad, and then they broke

Way , Question , Families , Arianna-huffington , Industry , Middle-america , Deregulation , Consumer-credit-market , Services , Economy , Risk , Institutions