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Publications

Incidence of underwater mortgages varies greatly by region

About 31 percent of American homeowners with mortgages owe more on their mortgages than their home is worth, according to a

Federal analysts predict a 2013 recession unless Congress acts on fiscal issues

Automatic federal tax increases and spending cuts due to take effect this year are likely to push the economy into a recession in 2013, according to an analysis released this week by the Congressional Budget Office.

Housing policy key to equalizing access to high quality education

Lower income and non-white students lack equal access to top performing schools  largely because of housing availability and cost, according to a recent report from the Brookings Institution.  Based on research pertaining to 84,077

Pre-disaster planning tools

After Tropical Storm Irene, there has been a lot of talk about how Vermont communities can take the lessons learned in the aftermath and plan better for future possible disasters.

Home lending in Vermont compared to New England

A recent study looking at the six New England states’ home lending activity between 2006 to 2010 shows Vermont compared to neighboring states. Some highlights are:

Housing affordability worsens for renters

Despite reports of lower housing prices associated with the recent economic recession, housing affordability has continued to worsen, particularly for the nation’s working and lower income renters, according to several reports released re

Baby boomers and the echo generation will shape U.S. housing markets for decades

Aging baby boomers will change the housing market in ways that have never been experienced before, according to a new report on demographic effects on U.S. housing markets from the Bipartisan Policy Center.    

Tune in tonight to learn about VHFA's Burlington housing study

Unemployment is most common cause of homelessness

An annual survey of municipal officials in 29 large U.S. cities found unemployment at the top of the list of homelessness causes, according to  a recent report from the The U.S. Conference of Mayors’ Task Force on Hunger and Homelessness.  Respondents were asked to provide information on emergency food assistance and homeless services provided between September 1, 2010 and August 31, 2011.

Hefty down payment requirements may block creditworthy home buyers

According to a recent study, requiring down payments of at least ten percent is less likely to prevent a mortgage from defaulting than other measures, such as requiring borrower income documentation and prohibiting hybrid adjustable-rate mortgages with “teaser payments”.   

Researchers at the University of North Carolina’s Center for Responsible Lending used national level data to examine the effect of various requirements on borrowers’ access to mortgage credit and on the number of defaults they would be likely to prevent.   

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