http://www.heritage.org/static/rss/housing.xmlHousing - The Heritage Foundationen-US© Copyright 2012info@heritage.orgRSS Generator {99EDBB9C-D08B-4C3C-B0E7-1DA7195A2AB6}http://www.heritage.org/sitecore/content/home/research/reports/2012/04/a-housing-market-without-fannie-mae-and-freddie-mac-effect-on-home-pricesNahid AnarakiAnalysis of Fannie Mae’s and Freddie Mac’s interventions in the housing market suggests that their interventions have led to higher housing prices. Liquidating Fannie Mae and Freddie Mac is more likely to increase homeownership.Wed, 18 Apr 2012 12:08:00 -0400{6CF1AE4E-458B-4749-9B83-0A060352CE1A}http://www.heritage.org/sitecore/content/home/research/reports/2012/02/housing-policy-obamas-homeowners-refinancing-program-endangers-fhaDavid JohnThe new FHA-centered mortgage refinancing plan includes a tax on financial institutions and other bad policies that would do nothing to help revive housing. Mon, 13 Feb 2012 09:50:00 -0500{54E742AE-F9F9-4AC2-862F-72E4A5521BB7}http://www.heritage.org/sitecore/content/home/research/reports/2012/02/2012-index-of-dependence-on-governmentWilliam Beach, Patrick TyrrellThe Index of Dependence on Government highlights the gathering fiscal storm clouds. Today more people depend on the federal government for housing, food, income, student aid, or other assistance once considered to be the responsibility of civil society. Wed, 08 Feb 2012 07:33:00 -0500{0321D3F5-FFE4-4DAB-8D0F-BEB898159B19}http://www.heritage.org/sitecore/content/home/research/reports/2012/01/huds-mandatory-minority-relocation-programRonald Utt, Ph.D.HUD is beginning to insidiously intrude in local housing policies in a concerted effort to require racial and economic integration.Tue, 31 Jan 2012 14:31:00 -0500{1A601EC0-042A-4480-9AAE-296E0744AAED}http://www.heritage.org/sitecore/content/home/research/reports/2011/12/focus-on-agenda-21-should-not-divert-attention-from-homegrown-anti-growth-policiesWendell Cox, Ronald Utt, Ph.D., Brett SchaeferAgenda 21, a voluntary plan adopted at the 1992 United Nations Conference on Environment and Development, unabashedly calls on governments to intervene and regulate nearly every potential impact that human activity could have on the environment. However, Agenda 21 is non-binding; it depends on governments for implementation. If opponents focus excessively on Agenda 21, it is much more likely that homegrown smart-growth policies that undermine the quality of life, personal choice, and property rights in American communities will be implemented by local, state, and federal authorities at the behest of environmental groups and other vested interests. Preventing American implementation of Agenda 21 should therefore be viewed as only one part of a broader effort to convince U.S. government officials to repeal destructive smart-growth programs and prevent the enactment of new ones.Thu, 01 Dec 2011 14:17:00 -0500{70D5EBF3-A35B-47CF-A6B8-40F353A85A4B}http://www.heritage.org/sitecore/content/home/research/reports/2011/11/housing-finance-fha-and-lessons-learned-from-fannie-mae-and-freddie-macNahid AnarakiCongress continues to put forth proposals that only further extend the reach of government into the housing market.Mon, 21 Nov 2011 09:43:00 -0500{C445CDA6-6007-491C-BF46-1629677482E6}http://www.heritage.org/sitecore/content/home/research/reports/2011/11/raising-fha-loan-limit-a-step-in-the-wrong-directionDavid JohnRaising the FHA loan limit will short-circuit efforts to create a private-sector guarantee of home mortgages and to restart private mortgage-backed securities.Thu, 17 Nov 2011 13:58:00 -0500{032A61F0-000D-4BE6-AB12-76140187F341}http://www.heritage.org/sitecore/content/home/multimedia/video/2011/11/markay-fbn-11-16-11Lachlan MarkayLachlan Markay discusses compensation for Fannie and Freddie CEOs.Wed, 16 Nov 2011 00:00:00 -0500{DE682F1B-4BA8-431C-84A2-D4F3C3DE3B5E}http://www.heritage.org/sitecore/content/home/research/commentary/2011/11/obamas-new-mortgage-program-is-full-of-disappointing-detailsDavid JohnWhen you're in trouble, nothing beats a helping hand — provided you can reach it. Certain homeowners with "underwater" mortgages are about to find that out.Fri, 11 Nov 2011 00:00:00 -0500{FB3A9F3A-33D6-468E-AA71-F1570326E57F}http://www.heritage.org/sitecore/content/home/research/reports/2011/10/congress-should-promptly-repeal-or-fix-unwarranted-provisions-of-the-dodd-frank-actDavid AddingtonCongress enacted the Dodd–Frank Wall Street Reform and Consumer Protection Act in 2010 in the wake of a financial crisis followed by a serious economic recession. Regrettably, many of the provisions of the Dodd–Frank Act contravene basic American principles and inhibit rather than advance economic growth. Congress should review the Dodd–Frank Act and repeal or correct those provisions, starting with provisions that intrude upon the role of the states and shareholders in corporate internal governance, intrude into the functions of the judicial branch and deny companies a reasonable opportunity to defend themselves in court, hamper the effective functioning of mortgage markets, and create a largely unsupervised new federal agency to regulate consumer finance.Thu, 13 Oct 2011 14:31:00 -0400{B9EBF53C-A7F3-4238-AFFE-1BA1D14A99A2}http://www.heritage.org/sitecore/content/home/research/reports/2011/09/how-smart-growth-and-livability-intensify-air-pollutionWendell CoxPolicies being implemented at the state and local levels and proposed at the federal level are working to undermine improvement of air quality.Thu, 15 Sep 2011 11:36:00 -0400{4832A671-D1BB-40E8-BC8A-BA30A51AA5D7}http://www.heritage.org/sitecore/content/home/multimedia/video/2011/09/john-fnc-9-2-11David JohnDavid John discusses Fannie Mae and Freddie Mac.Fri, 02 Sep 2011 01:00:00 -0400{622AF8E3-FF99-428A-9339-F5316016021D}http://www.heritage.org/sitecore/content/home/research/reports/2011/07/free-the-housing-finance-market-from-fannie-mae-and-freddie-macDavid JohnFannie Mae and Freddie Mac—the government-sponsored mortgage giants—must be shut down. Both entities distort the market by issuing mortgage-backed securities with subsidized government guarantees that the mortgages will be repaid. If such guarantees are necessary, they should be priced and issued by the private sector, not by the state. Fannie Mae and Freddie Mac must be closed down completely and permanently. Heritage Foundation expert on financial institutions David C. John details specific steps to achieve this shutdown carefully and methodically without further upsetting the delicate housing market—and without making the situation worse.Tue, 12 Jul 2011 12:49:00 -0400{09208E37-DB9E-45D9-836F-974827ECE0A1}http://www.heritage.org/sitecore/content/home/research/testimony/2011/05/transparency-transition-and-taxpayer-protection-more-steps-to-end-the-gse-bailoutDavid JohnCreating Fannie Mae and Freddie Mac were serious policy mistakes, as was subsidizing them through privileged access to federal funds and implicit guarantees. These mistakes should never be repeated. Nothing less than the complete elimination of both Fannie Mae and Freddie Mac is acceptable.Thu, 26 May 2011 17:41:00 -0400{AA09CC87-F96F-4C76-9F57-34921E6A9081}http://www.heritage.org/sitecore/content/home/research/reports/2011/05/qualified-residential-mortgage-rules-threaten-the-housing-marketDavid JohnThe Qualified Residential Mortgage regulations as drafted would make it harder for qualified consumers to obtain loans and would hinder reform. Wed, 25 May 2011 16:37:00 -0400{7256FEE6-4C63-4588-BDF5-4651BC1C805E}http://www.heritage.org/sitecore/content/home/research/reports/2011/04/ryan-budget-plan-promotes-housing-recovery-by-ending-fannie-mae-and-freddie-macDavid JohnEliminating Freddie Mac and Fanny Mae will instigate housing recovery. Find out why here. Thu, 14 Apr 2011 16:06:00 -0400{3CB3D878-FB57-466F-89A1-522DD3A8F790}http://www.heritage.org/sitecore/content/home/research/reports/2011/02/housing-finance-reform-no-need-for-a-new-fannie-mae-and-freddie-macDavid JohnEliminating Fannie Mae and Freddie Mac is a step in the right direction; however, it will do no good to fill their places with a clone.Thu, 24 Feb 2011 16:48:00 -0500{88596168-A853-4E00-BC71-02C5720DE32F}http://www.heritage.org/sitecore/content/home/research/reports/2011/02/end-fannie-mae-and-freddie-mac-to-build-tomorrows-housing-finance-systemDavid JohnThe Obama Administration should phase out Fannie Mae and Freddie Mac while gradually selling off their portfolios of mortgage securities.Thu, 10 Feb 2011 18:58:00 -0500{DF5ED3A1-1CE1-46EA-8B77-F756A63755F5}http://www.heritage.org/sitecore/content/home/multimedia/video/2010/11/john-fnc-11-15-10David JohnDavid John comments on the home foreclosure crisis.Mon, 15 Nov 2010 00:00:00 -0500{FF4D958F-2F85-471D-B47A-20438BD7902E}http://www.heritage.org/sitecore/content/home/research/reports/2010/10/the-2010-index-of-dependence-on-governmentWilliam Beach, Patrick TyrrellThe number of Americans who pay taxes continues to shrink—and the United States is close to the point at which half of the population will not pay taxes for government benefits they receive. In 2009, 64.3 million Americans depended on the government (read: their fellow citizens) for their daily housing, food, and health care. Starting in 2015, the Social Security program will not receive enough taxes to pay all the promised benefits—which will be hard for all job-holders, but devastating for roughly half the American workforce that has no other retirement program. Add in last year's preposterously named American Recovery and Reinvestment Act, spiraling academic grants, flat-out farm socialism, the swelling ranks of Americans who believe themselves entitled to "free" government benefits—and now the government takeover of the nation's health care system—and the very nature of this country's republican form of government is called into question. Like they have been doing since 2002, Heritage Foundation policy experts lay out the increasingly gloomy facts. Can Americans pull back from the brink of complete dependence on government?Thu, 14 Oct 2010 10:28:00 -0400