Housing and Mortgages 
Recent Research and Commentary
Loan Modification Program Isn't Stemming Foreclosures in Phoenix
July 12, 2009, 2:04pmThe President's loan modification program isn't working out very well thus far in the foreclosure-ridden Phoenix metro area.
Lending Standards Back to Bubble Era Levels
June 4, 2009, 11:57amLow lending standards are a huge part of what got banks and mortgage companies into this mess. Why is the government aiding and abetting the continued practice?
A Concise, Modern History of U.S. Homeownership
May 10, 2009, 9:09amSephen Malanga has provided an excellent, accessible, and concise history of the trials and tribulations of U.S. housing policy and its effort to increase homeownership since the 1930s.
Banks and Mortgage Investors Battle in Congress
May 5, 2009, 2:30pmThough the cramdown threat has been (temporarily) vanquished, there are still more issues Congress is facing that could skew the market. Senator Dick Durbin, who drove the lost fight for cramdowns, separated the measure from a larger bill that passed the House (HR 1106) that is aiming to redefine how the mortgage industry works. The "Helping Families Save Their Homes Act of 2009" (now S.B. 896) also contains provisions that will protect mortgage lenders from being sued by investors for rewriting mortgage terms on their own--measures the Senate supported today.
Bipartisan Blame for Housing Crisis
May 2, 2009, 9:00amThomas Sowell's new book places the blame for the housing meltdown on Democrats and Republicans more intent on pursuing pre-conceived notions of homeownership than letting the market way the risks and tradeoffs.
Sacramento Homes Now Cost Less Than a Honda Accord
April 28, 2009, 3:55pmIn the post-bubble housing market, private investors are buying up foreclosed homes and turning coal into gold--affordably
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- Politicians Must Ignore Urge to "Do Something" About Housing Woes
Officials can do little but ride out housing market crash
Samuel Staley
April 15, 2008 - Is Housing "Crisis" Causing a Recession?
Growing the economy, not more regulation, is the key to ending the housing slump
Samuel Staley
January 22, 2008 - The Chilling Effect of the Schwarzenegger-Bush Freeze
Mortgage assistance plans don't fix the problem
George Passantino
December 6, 2007 - Bonds Won't Make Housing Affordable
Instead of Prop 1C, California would be better off air-dropping money to taxpayers
Shikha Dalmia
November 1, 2006 - Regulating California's Housing Crisis
Relaxing growth management rules can remove obstacles, reduce housing shortage
Leonard Gilroy
April 13, 2006 - Virginia's Road to Ruin
Proposed growth legislation bad for Virginia housing, economy
Leonard Gilroy
November 29, 2005 - Forget the Bubble. Housing Shortage is the Real Crisis
New housing needed to meet growing demand
Leonard Gilroy
October 12, 2005 - Scrapping the Zoning Code to Solve LA's Housing Crisis
Inclusionary zoning backfires
Samuel Staley
October 5, 2004 - Want Even Higher Housing Prices?
Growth caps are for you
Owen Courrèges
August 6, 2004 - Uncle Sam: Home Maker
Proposed tax cut for homeowners is a bad idea
Jeff Taylor
July 21, 2004 - San Diego's Affordable Housing Dilemma
Media price exceeds $400,000
Chris Fiscelli
July 30, 2003 - Efforts to Build Infill Housing in California Won't Solve Growth Woes
Steeper housing shortfall and higher prices likely result
Chris Fiscelli
March 17, 2003 - Study Concludes Growth Restrictions Contribute to Increased Housing Prices
More evidence that restrictions inflate housing prices
Leonard Gilroy
February 17, 2003
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