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- W2234524275 abstract "In the United States, homeownership is an important part of wealth building, especially for low- and moderate-income people, many of whom are of color. Interestingly, savings products geared towards downpayment are scarce and public support for downpayment is minimal. The current tight credit box, the pending housing finance reform, and the possible elimination of the Mortgage Interest Deduction (MID) will make wealth building through homeownership more challenging in the future. Thus, the author of this paper argues that products geared towards saving for downpayment should be revisited and that downpayment savings policies should be implemented. These products and policies, possibly modeled after the products of building and loan societies (B&Ls), will facilitate access to homeownership, in particular for low- and moderate-income people and people of color." @default.
- W2234524275 created "2016-06-24" @default.
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- W2234524275 date "2015-06-01" @default.
- W2234524275 modified "2023-09-25" @default.
- W2234524275 title "The little downpayment savings policy that could: revisiting building and loan societies and their products in times of the tight credit box and the pending housing finance reform" @default.
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- W2234524275 doi "https://doi.org/10.1080/08882746.2015.1076128" @default.
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