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Publications

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.   

Designing the future of Burlington's downtown areas

If you're walking down Church Street in Burlington this week and want to help shape the future of the city's downtown areas, stop by the PlanBTV design charrette underway in the former Ann Taylor store space at 1 Church Street.   

Read more in today's Burlington Free Press or watch a short video about PlanBTV.

VHFA's 2011 Annual Report available online

Between July 2010 and June  2011, VH FA issued more than $3 billion in bonds to finance housing for low and moderate-income Vermont home buyers and renters, overhauled its Housing Data website, and increased the financing it provided for multifamily projects.

New report summarizes global impacts of climate change on housing

Are you wondering about how climate change will impact the world's housing needs?   A recent report entitled, Adapting to Climate Change: Cities and the Urban Poor, by the International Housing Coalition, brings a wealth of information together about the effects of rising sea levels, increased temperatures, increased storm  activity, and other climate change dynamics on housing world-wide. 

Your comments needed on Chittenden County ECOS housing and other reports

Reports analyzing Chittenden County's housing needs, economic development, natural resources,  transportation, land use, education, public health and energy issues have been completed for the ECOS project.   All communities, organizations and residents are encouraged to review and comment on these reports by December 31 through the ECOS website.   VHFA prepare

Planning for Burlington's downtown and waterfront

VHFA recently completed an assessment of the demographics, housing stock, and affordability challenges of residents in Burlington's downtown and waterfront neighborhoods.   

This area experienced a much higher rate of population growth during the past decade than the city as a whole.  It's primarily renter population has lower incomes on average, with a third spending more than half of their incomes for housing. 

Vermont economy recovering amidst global and national challenges

Vermont's econonomy outperformed the U.S. during the past 12 months, with tax revenues that exceeded projections by 2.5%.  Nevertheless, state economists cautioned the legislature and administration of the risks here in Vermont should national policy makers fail to reach an agreement about raising the U.S. debt ceiling. 

Home prices in Vermont will likely continue to decline slightly during the next 3 months, the economic report to the legislature explained.  After that, Vermont's real estate market is likely to begin "an extended period of very low price appreciation."

Rising home prices helps owner's kids earn more

Federal Home Loan Bank of Boston logoResearch shows a new way of considering the impact of rising house prices: higher prices mean higher incomes for existing homeowners’ children as they age. Unfortunately, the increase in prices also reduces the earning levels of renter’s children in the future.

Report: Average rent more than SSI payment

The national average rent for a modestly priced one-bedroom apartment is more than the entire Supplemental Security Income (SSI) of a person with a disability, according to a study released today by the Consortium for Citizens with Disabilities Housing Task Force and the Technical Assistance Collaborative (TAC).

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