RESEARCH INSTITUTE FOR HOUSING AMERICA TRUST FUND

THE INSTITUTE SPONSORS AND DISSEMINATES RIGOROUS YET ACCESSIBLE RESEARCH FOCUSED ON ISSUES IMPACTING HOUSING AND MORTGAGE MARKETS.RIHA MAKES GRANTS TO INSTITUTIONS AND INDIVIDUALS THAT FURTHER ITS EXEMPT PURPOSE OF ENCOURAGING AND AIDING THE PURSUIT OF KNOWLEDGE OF MORTGAGE MARKETS AND REAL ESTATE FINANCE. THE RESEARCH PRODUCTS THAT ARE SUPPORTED WITH THESE GRANTS ARE MADE AVAILABLE TO THE PUBLIC THROUGH RIHA'S WEB SITE AT WWW.HOUSINGAMERICA.ORG/PUBLISHEDREPORTS. THE FOLLOWING PAPERS HAVE BEEN PUBLISHED THROUGH THE FISCAL YEAR 2024: FISCAL YEAR 2024-- MORTGAGE BANKING IN THE UNITED STATES, 1870-1940 (10-YEAR ANNIVERSARY RE-RELEASE)-- MORTGAGE DESIGN, UNDERWRITING, AND INTERVENTIONS: PROMOTING SUSTAINABLE HOMEOWNERSHIPFISCAL YEAR 2023-- A COLLECTION OF ESSAYS ON CLIMATE RISK AND THE HOUSING MARKET VOLUME I-- A COLLECTION OF ESSAYS ON CLIMATE RISK AND THE HOUSING MARKET VOLUME IIFISCAL YEAR 2022-- THE IMPACT OF CLIMATE CHANGE ON HOUSING AND HOUSING FINANCE-- THE DISTRIBUTION OF WEALTH IN AMERICA SINCE 2016-- WHO WILL BUY THE BABY BOOMERS' HOMES WHEN THEY LEAVE THEM?FISCAL YEAR 2021-- HOUSING-RELATED FINANCIAL DISTRESS DURING THE PANDEMIC-- THE DISTRIBUTION OF WEALTH SINCE THE GREAT RECESSION-- THE LOCATION OF AFFORDABLE AND SUBSIDIZED RENTAL HOUSING ACROSS AND WITHIN THE LARGEST CITIES IN THE UNITED STATES-- WHY ARE OLDER WORKERS MOVING LESS WHILE WORKING LONGER?FISCAL YEAR 2020-- NO NEW PUBLISHED PAPERS IN FY2020FISCAL YEAR 2019-- NO NEW PUBLISHED PAPERS IN FY2019FISCAL YEAR 2018-- QUANTIFIED PARKING: COMPREHENSIVE PARKING INVENTORIES FOR FIVE U.S. CITIESFISCAL YEAR 2017-- OWNED NOW RENTED LATER? HOUSING STOCK TRANSITIONS AND MARKET DYNAMICS-- MANAGING MORTGAGE PRODUCT DEVELOPMENT RISK (COMPLETED DURING THE FISCAL YEAR 2017 BUT RELEASED ON 9/14/2017) FISCAL YEAR 2016-- COGNITIVE DECLINE AND FINANCIAL DECISION-MAKING AS INDIVIDUALS AGE-- DIVERTED HOMEOWNERS, THE RENTAL CRISIS, AND FOREGONE HOUSEHOLD FORMATION-- THE AFFORDABILITY OF OWNER-OCCUPIED HOUSING IN THE UNITED STATES: ECONOMIC PERSPECTIVESFISCAL YEAR 2015-- DEMOGRAPHIC DRIVERS OF THE US HOMEOWNERHSIP RATE: HOW SHOULD POLICY MAKERS RESPOND?FISCAL YEAR 2014-- A PROFILE OF HOUSING AND HEALTH AMONG OLDER AMERICANS-- MORTGAGE BANKING IN THE UNITED STATES 1870-1940FISCAL YEAR 2013-- A PROFILE OF HOUSING AND HEALTH AMONG OLDER AMERICANS-- MORTGAGE BANKING IN THE UNITED STATES 1870-1940-- IMMIGRANT CONTRIBUTIONS TO HOUSING DEMAND IN THE UNITED STATES: A COMPARISON OF RECENT DECADES AND PROJECTIONS TO 2020 FOR THE STATES AND NATIONFISCAL YEAR 2012--MEASURING THE BENEFITS OF HOMEOWNING: EFFECTS ON CHILDREN REDUX--THE HISTORICAL ORIGINS OF AMERICAS MORTGAGE LAWS--THE GREAT RECESSION AND ATTITUDES TOWARD HOME-BUYING--STRATEGIC DEFAULT IN THE CONTEXT OF A SOCIAL NETWORK: AN EPIDEMIOLOGICAL APPROACHFISCAL YEAR 2011--HOMEOWNERSHIP BOOM AND BUST 2000 TO 2009: WHERE WILL THE HOMEOWNERSHIP RATE GO FROM HERE?--HOMEOWNERSHIP EDUCATION AND COUNSELING: DO WE KNOW WHAT WORKS?--A STUDY OF REAL ESTATE MARKETS IN DECLINING CITIES FISCAL YEAR 2010 --A REVIEW OF STATISTICAL PROBLEMS IN THE MEASUREMENT OF MORTGAGE MARKET DISCRIMINATION AND CREDIT RISK --INTERNATIONAL COMPARISON OF MORTGAGE PRODUCT OFFERINGS --ANATOMY OF RISK MANAGEMENT PRACTICES IN THE MORTGAGE INDUSTRY: LESSONS FOR THE FUTURE --HOUSEHOLD REACTION TO THE FINANCIAL CRISIS: SCARED OR SCARRED? --WHAT HAPPENS TO HOUSEHOLD FORMATION IN A RECESSION FISCAL YEAR 2009 --A FINANCIAL ANALYSIS OF CONSUMER MORTGAGE DECISIONS FISCAL YEAR 2007 --THE IMPACT OF GLOBAL CAPITAL FLOWS AND FOREIGN FINANCING ON US MORTGAGE AND TREASURY INTEREST RATES FISCAL YEAR 2006 --STUDY ON HOUSING TRENDS AMONG BABY BOOMERS