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September 07, 2011

Homeownership Publications by Anna Maria Santiago

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Dr Anna Maria Santiago, faculty associate of the Center on Urban Poverty and Community Development and Leona Bevis/Marguerite Haynam Professor of Community Development at the Mandel School of Applied Social Sciences is the lead author on several recent and upcoming publications on low-income homeownership.

Foreclosing on the American dream? The financial consequences of low-income homeownership, Housing Policy Debate Volume 20, Issue 4, 2010

"Be It Ever So Humble, There's No Place Like Home: the experiences of low-income, minority homebuyers" in the soon to be published Fair and Affordable Housing in the U.S.: Trends, Outcomes, Future Directions (forthcoming September 2011)

Low-Income Homeownership: does it necessarily mean sacrificing neighborhood quality to buy a home?, Journal of Urban Affairs Volume 32, Issue 2, pages 171–198, May 2010

Read a brief section from each abstract or introduction.

Foreclosing on the American dream? The financial consequences of low-income homeownership
"Federal programs have consistently encouraged ever-lower-income households to buy homes, despite concerns about the long-term sustainability and desirability of homeownership from the perspective of wealth-building, especially since the recent housing market collapse and the epidemic of mortgage foreclosures. We ask in this paper: can very low-income households build wealth through sustainable homeownership, with the aid of an innovative public program?"

"Be It Ever So Humble, There's No Place Like Home: the experiences of low-income, minority homebuyers"
"What are the perceived benefits of homeownership? Have the original worries about homeownership held by these recent, low-income Latino and Black homebuyers been justified after several years of experience owning a home? What do they perceive as the major challenges to their continued ownership? What are their expectations regarding neighborhood quality and the value of their homes? How much have they maintained and improved their homes? To what extent have they been able to build assets? Have they experienced severe financial stresses and increased indebtedness? What have been their experiences with delinquent mortgage payments, foreclosures, refinancing, predatory lenders, and other purveyors of debt? Are there significant Latino-Black differences for any of the aforementioned questions?"

Low-Income Homeownership: does it necessarily mean sacrificing neighborhood quality to buy a home?
"Our study examines the neighborhood conditions of a group of 126 low-income homebuyers who purchased their first home with assistance from the Home Ownership Program (HOP) operated by the Denver Housing Authority. Our approach is distinguished by its use of a comprehensive set of objective and subjective indicators measuring the neighborhood quality of pre-move and post-move neighborhoods. Do low-income homebuyers sacrifice neighborhood quality to buy their homes?"