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Housing and Consumer Finance: Archives

International Mortgage Finance 101

David Min explains that all of the world’s advanced countries provide significant levels of government guarantees to their housing finance systems.

by David Min | Wednesday, June 13, 2012

Bipartisan Bill Pushes Shared Appreciation Principal Reductions

Congress can save taxpayer dollars while giving underwater borrowers a fighting chance of staying in their homes, writes John Griffith.

by John Griffith | Tuesday, June 12, 2012

The FHA Is on Board With Principal Reduction

John Griffith argues that with most of the mortgage industry embracing principal reduction as a way to help troubled homeowners, Fannie Mae and Freddie Mac should follow suit.

by John Griffith | Monday, June 11, 2012

How Governments Around the World Help Homeowners Enter and Remain in the Middle Class

David Min counters the conservative claim that many governments worldwide don’t provide guarantees for mortgage finance.

by David Min | Thursday, June 7, 2012

Time to Ramp Up Refinancing

New legislation would help more homeowners refinance through the Home Affordable Refinance Program, writes John Griffith.

by John Griffith | Thursday, June 7, 2012

Tossing a Lifeline to Underwater Homeowners

Congress can step up and help the more than 3 million homeowners that cannot refinance their mortgages to today’s low rates, writes John Griffith.

by John Griffith | Wednesday, May 30, 2012

The Global Importance of Government Guarantees in Mortgage Finance

article icon Issue Brief David Min details the several ways the U.S. government guarantee on residential mortgages works and then compares those processes with the very different but equally important government role in guaranteeing home mortgages across Europe.

by David Min | Monday, May 21, 2012

Turning the Tide: Preventing More Foreclosures and Holding Wrong-Doers Accountable

John Griffith testifies before the the U.S. House of Representatives Congressional Progressive Caucus.

by John Griffith | Thursday, April 26, 2012

Retrofitting Foreclosed Homes: A Matter of Public Trust

article icon Issue Brief Bracken Hendricks and Adam James argue that the Federal Housing Finance Agency should capitalize on the rehab-to-rent process to promote more energy-efficient housing for renters and boost the long-term value of these properties for U.S. taxpayers.

by Bracken Hendricks and Adam James | Tuesday, April 24, 2012

Latinos Bearing the Brunt of the Foreclosure Crisis

Jennifer Rokosa argues that principal reduction for homeowners facing foreclosure through no fault of their own deserve assistance from the federal government.

by Jennifer Rokosa | Thursday, April 19, 2012

Give the Rehab-to-Rent Pilot Program in California a Chance

Alon Cohen explains why California representatives in Congress are wrong to prematurely condemn what is designed to be a pilot program.

by Alon Cohen | Thursday, April 19, 2012

Inching Toward Principal Write-Downs at Fannie and Freddie

New data from the firms’ regulator confirms that principal reductions can be good business practice, write John Griffith and Daniel Molitor.

by John Griffith and Daniel Molitor | Thursday, April 19, 2012

Sharing the Pain and Gain in the Housing Market

book_alt2 icon Report John Griffith and Jordan Eizenga explain why Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency should embrace a targeted principal-reduction program for certain deeply underwater loans it owns or guarantees.

by John Griffith and Jordan Eizenga | Thursday, March 29, 2012

Ryan Budget Is a Fatal Blow to the Housing Market

David Min and John Griffith argue that the House Republican budget would remove government support to the mortgage market at a critical time.

by David Min and John Griffith | Friday, March 23, 2012

Don’t Let the Talk of the Coming Foreclosure Flood Distract You from the Recovery

Alon Cohen questions talk of a short-term rise in foreclosures due to a settlement with mortgage servicers and says this settlement could in reality prevent more foreclosures from happening.

by Alon Cohen and Daniel Molitor | Friday, March 9, 2012