Housing Affordability in the 12th District

Within the Federal Reserve’s 12th District, the issue of housing affordability has emerged as a key community development challenge. The District is home to some of the highest cost housing markets in the nation, and low- and moderate-income families across the region are finding themselves among those with critical housing needs. According to the Joint Center for Housing Studies, nearly one in three households in the United States spends more than 30 percent on housing, and more than one in eight spends upwards of 50 percent.

Foreclosure Resource Center
For the latest information on the Federal Reserve's efforts to mitigate the impact of foreclosures, including local data presentations and research reports, visit our new Foreclosure Resource Center.


The 2006 HMDA Data
Article in the Federal Reserve Bulletin published by the Federal Reserve Board.

Affordable Housing in High Cost Areas: An Introduction (Volume 17; No.3)
by Carolina Reid

Re-Building It Green (Volume 20; No.2)
By Jennifer Somers, Local Initiatives Support Corporation/Bay Area

State Housing Trust Funds: Meeting Local Affordable Housing Needs (Volume 17; No.3)
by Carolina Reid

ARCH

The Association of Reinvestment Consortia for Housing (Vol 14; No. 2)
by Fred Mendez

Community Land Trusts

Community Land Trusts: Preserving Long Term Housing Affordability (Volume 20: No. 1)

The Community Land Trust and Special Needs Housing
(Volume 14; No. 3)
by Lisa Engel, Manager, Nehemiah Urban Land Trust (NULT) of Nehemiah Corporation of California

Homeownership

Special Issue on Homeownership Preservation, (Vol 18, No.3)

Homeownership at a High Cost: Recent Trends in the Mortgage Lending Industry (Vol 18: No.3)
by Naomi Cytron and Laura Lanzerotti

Preventing Foreclosure: Initiatives to Sustain Homeownership
(Vol 18: No.3)
by Carolina Reid

Calculated Risk: Assessing Nontraditional Mortgage Products
(Vol 18: No.3)
by Paul Leonard and Michael Calhoun, Center for Responsible Lending

Nontraditional Mortgage Guidance (Vol 18: No.3)
by John Olson

Manufactured Housing

Some Assembly Required: Using Manufactured Housing in Affordable Housing Development (Volume 17; No.3)
by Naomi Cytron

Multifamily

Affordable Multifamily Mortgage Risk - One Lending Consortium's 10-Year History (Vol 12; No. 1)
by Mary Kaiser, President, California Community Reinvestment Corporation and George H. Vine, Principal, Vine & Associates

National Housing Development Corporation (Vol 12; No. 1)
by Kathy Kenny and John Trauth

Workforce Housing

Employer Assisted Housing: Addressing the Housing Affordability Gap

Si Se Puede: Farmworker Housing in the Federal Reserve’s 12th District (Vol 19, No1.)

Stuck in the Middle: Financing Workforce Housing (Volume 17; No.3)
by John Olson

Increasing the Harvest for Farmworker Housing” (Vol 16; No 2)
by Lena Robinson

Metropolitan Institute at Virginia Tech

Federal Home Loan Bank Community Investment
The Federal Home Loan Bank has many grant programs and credit products that help create affordable housing for very low- to moderate-income households and foster economic development.

Joint Center for Housing Studies
Harvard University’s center for information and research on housing in the United States.

KnowledgePlex
Research, documents, news and events centered around affordable housing.

National Low Income Housing Coalition
A national advocacy organization working to achieve more affordable housing throughout the U.S.

National Association of Affordable Housing Lenders

National Housing Trust

National Association of Housing and Redevelopment Officials

PolicyLink Research on Affordable Housing  

Urban Institute’s Housing America’s Low Income Families
A 35 year study on federal housing policies.

Home Mortgage Disclosure Act Data
The Federal Financial Institutions Examination Council’s website with information about information about HMDA, how to file, access to public data and other resources.

Breaking Ground: A Beginner's Guide for Nonprofit Developers
Federal Reserve Bank of Dallas’ guide for non-profit organizations on the intricacies of affordable housing development

U.S. Department of Housing and Urban Development

Partners: Mortgage Loan Qualification Software
A home mortgage tool designed to help determine qualification for a particular mortgage product, housed on the Federal Reserve Bank of Atlanta’s website.

Home Mortgages: Understanding the Process and Your Right to Fair Lending
A consumer resource from the Federal Reserve Board

Looking for the Best Mortgage: Shop, Compare, Negotiate
A consumer resource from the Federal Reserve Board

Consumer Handbook on Adjustable-Rate Mortgages
A consumer resource from the Federal Reserve Board

When Your Home Is on the Line: What You Should Know about Home Equity Lines of Credit
A consumer resource from the Federal Reserve Board