Thinking Outside the Credit Box: Strategies to Advance Equity in the Housing Finance System

Stephanie Moulton, Vanessa Perry, Edward Golding, Susan Wachter, Jun Zhu, Jung Choi and Amalie Zinn

Housing Policy Debate, 2025, vol. 35, issue 3, 539-551

Abstract: What would it take to increase homeownership rates and close the racial homeownership gap in the U.S.? In this paper, a group of interdisciplinary housing policy scholars provide their collective insights on this question. They highlight the limitations of current approaches and describe potential product and institutional innovations to the housing finance system that may help close the racial homeownership gap.

Date: 2025
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DOI: 10.1080/10511482.2025.2479464

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