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A Place Called Home explains that homeownership is associated with many positive and surprising non-financial outcomes, and also how and why this is so. The book ultimately argues that homeownership is an important social tool that can improve the lives of low- and moderate-income people.
The authors argue that, despite the downturn in the real estate market and the economy in general, affordable lending to home buyers can continue without all the risk-taking that led to the problems in the first place. Original.
The ups and downs in housing markets over the past two decades are without precedent, and the costs—financial, psychological, and social—have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliberate how homeownership can be made more sustainable, and discuss how best to balance affordability,...