http://www.heritage.org/static/rss/housing.xmlHousing - The Heritage Foundationen-US© Copyright 2013info@heritage.orgRSS Generator {58F24094-0382-4CF3-BD84-FBDD0BE656AE}http://www.heritage.org/research/reports/2013/06/will-fha-require-the-next-round-of-housing-bailouts-from-the-taxpayerJohn L. Ligon, John LigonThe FHA needs to properly align incentives for borrowers and lenders and return to a smaller, more targeted role in the mortgage market.Thu, 06 Jun 2013 10:37:00 -0400{3C325B41-D82D-4B6F-91F4-CD568792B053}http://www.heritage.org/research/reports/2013/04/eight-steps-to-eliminate-fannie-mae-and-freddie-mac-permanentlyDavid C. John, David JohnNow that housing is beginning to show signs of a sustained recovery, it is time to create a new and modern private-sector housing finance systemWed, 10 Apr 2013 00:00:00 -0400{67B70268-AEDA-4121-93B6-8E2B6D6B559D}http://www.heritage.org/research/testimony/2013/how-government-housing-policy-failed-homeowners-and-taxpayers-and-led-to-the-financial-crisisJohn L. Ligon, John LigonThe sections in this written testimony lead to the following conclusion: Federal housing policies related to the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac, have proved costly not only to the federal taxpayer, but also to the broader financial system. We should recognize their failure and move toward a U.S. mortgage market without these finance GSEs.Mon, 11 Mar 2013 14:57:00 -0400{10017EA1-F44A-451E-9DB7-7CEB33787AC1}http://www.heritage.org/research/reports/2013/01/mortgage-lending-regulation-is-cfpb-qualifiedDiane Katz, David C. John, Diane Katz, David JohnThe CFPB’s regulations introduce potential constraints on a recovery of the housing sector.Mon, 14 Jan 2013 13:45:00 -0500{5595EF41-C666-4271-843C-29B2AE86B783}http://www.heritage.org/research/reports/2013/01/role-of-fannie-mae-freddie-mac-and-gses-in-the-housing-marketJohn L. Ligon, David B. Muhlhausen, Ph.D., John Ligon, David MuhlhausenThe effects of removing GSE subsidies would be minimal and predictable both on the U.S. housing market and on the overall economy.Fri, 11 Jan 2013 12:30:00 -0500{4357D27B-134B-4118-AC5C-7DDE0918B223}http://www.heritage.org/research/reports/2013/01/a-housing-market-free-of-fannie-mae-freddie-macJohn L. Ligon, William W. Beach, John Ligon, William BeachElimination of Fannie Mae and Freddie Mac and the mortgage interest rate subsidy that these mortgage institutions generate would have minimal impact on the U.S. economy.Tue, 08 Jan 2013 15:31:00 -0500{AE5752AD-7299-40F2-8A04-0FE386B67986}http://www.heritage.org/research/reports/2012/11/end-fannie-mae-and-freddie-mac-now-menendez-boxer-bill-not-the-solutionDavid C. John, David JohnCongress should skip the Menendez–Boxer sideshow and move instead to the main event of ending Fannie Mae and Freddie Mac.Tue, 27 Nov 2012 14:14:00 -0500{3F7C619C-6656-41C3-B188-2CF16063813F}http://www.heritage.org/multimedia/video/2012/11/scissors-fox-chinaDerek Scissors, Ph.D., Derek ScissorsSenior Research Fellow Derek Scissors discusses how Chinese immigrants are moving into California's richest suburbs on Fox News' 'Special Report'.Tue, 27 Nov 2012 00:00:00 -0500{4D16F9B0-C1E3-4FB3-8102-775C9AA38868}http://www.heritage.org/research/reports/2012/10/a-housing-market-without-fannie-mae-and-freddie-mac-effect-on-housing-startsNahid Anaraki, Nahid AnarakiIf housing starts are not responsive to changes in the mortgage interest rate, then interventions by government-sponsored enterprises in the housing market that lower mortgage interest rates would not significantly affect housing startsThu, 04 Oct 2012 14:12:00 -0400{4709B571-BB85-4836-A639-358FBD1D8256}http://www.heritage.org/research/reports/2012/07/san-bernardino-county-s-loan-seizures-would-destroy-its-mortgage-marketDavid C. John, David JohnMass refinancing programs such as those proposed in San Bernardino County should be dropped.Fri, 13 Jul 2012 15:10:00 -0400{2DBEA643-3203-402E-AFD7-BB047F9DAFC0}http://www.heritage.org/research/reports/2012/06/a-housing-market-without-fannie-mae-and-freddie-mac-effect-on-the-homeownership-rateNahid Anaraki, Nahid AnarakiThe increase in the homeownership rate from 63.8 percent in the first quarter of 1994 to almost 70 percent in the first quarter of 2005 and its subsequent fall to 67.1 percent in the first quarter of 2010 has cast doubts on the effectiveness of the government’s policy of subsidizing mortgage interest rates and lowering down payments. Although a substantial amount of academic research has focused on the effects of GSE intervention in raising the homeownership rate, less attention has been paid to race/ethnic and regional differences. One of the novel features of this study is that it provides a scenario of what would happen to homeownership rate at the national or regional level, and among race/ethnic groups without the GSEs. Mon, 11 Jun 2012 17:03:00 -0400{99EDBB9C-D08B-4C3C-B0E7-1DA7195A2AB6}http://www.heritage.org/research/reports/2012/04/a-housing-market-without-fannie-mae-and-freddie-mac-effect-on-home-pricesNahid Anaraki, Nahid 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 11:08:00 -0400{6CF1AE4E-458B-4749-9B83-0A060352CE1A}http://www.heritage.org/research/reports/2012/02/housing-policy-obamas-homeowners-refinancing-program-endangers-fhaDavid C. John, David 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/research/reports/2012/02/2012-index-of-dependence-on-governmentWilliam W. Beach, Patrick Tyrrell, William 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/research/reports/2012/01/huds-mandatory-minority-relocation-programRonald D. Utt, Ph.D., Ronald UttHUD 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/research/reports/2011/12/focus-on-agenda-21-should-not-divert-attention-from-homegrown-anti-growth-policiesWendell Cox, Ronald D. Utt, Ph.D., Brett D. Schaefer, Wendell Cox, Ronald Utt, 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/research/reports/2011/11/housing-finance-fha-and-lessons-learned-from-fannie-mae-and-freddie-macNahid Anaraki, Nahid 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/research/reports/2011/11/raising-fha-loan-limit-a-step-in-the-wrong-directionDavid C. John, David 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/multimedia/video/2011/11/markay-fbn-11-16-11Lachlan Markay, Lachlan 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/research/commentary/2011/11/obamas-new-mortgage-program-is-full-of-disappointing-detailsDavid C. John, David 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