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Expanding access to homeownership requires more than lowering home prices.
New 2025 Home Mortgage Disclosure Act (HMDA) data show that many aspiring homebuyers—especially households with lower incomes and borrowers of color—continue to face significant barriers to obtaining mortgage financing. Creating a more equitable housing market will require addressing affordability, access to credit, and lending disparities so more families have the opportunity to achieve homeownership.
Read more from the Urban Institute:
www.urban.org/urban-wire/new-2025-hmda-data-reveal-what-it-will-take-make-homeownership-accessibl...
#Homeownership #HousingAffordability #HousingEquity #MortgageAccess #CommunityDevelopment
www.urban.org
Three trends highlight barriers to homeownership amid today’s affordability challenges and identify opportunities for policy and research to reduce the homeo…
A major step forward for housing affordability—but the work is just beginning.
Congress has passed the most significant federal housing reform in decades, with the goal of increasing housing supply, reducing barriers to development, and improving affordability. While this is an important milestone, turning legislation into meaningful change will require continued collaboration and action at every level.
Read more from the Urban Institute:
www.urban.org/urban-wire/congress-has-finally-passed-major-housing-reform-real-work-starts-now?&u...
#HousingAffordability #AffordableHousing #HousingPolicy #CommunityDevelopment
Congress Has Finally Passed Major Housing Reform. The Real Work Starts Now.
www.urban.org
The 21st Century ROAD to Housing Act represents a true bipartisan investment in housing affordability, but now federal agencies need the funding and the staf…Donate
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