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dc.contributor.authorÖnder, Z.en_US
dc.date.accessioned2016-02-08T10:32:59Z
dc.date.available2016-02-08T10:32:59Z
dc.date.issued2002en_US
dc.identifier.issn1051-1377
dc.identifier.urihttp://hdl.handle.net/11693/24690
dc.description.abstractThis paper examines the impact of Federal Housing Administration (FHA) mortgage insurance activity on homeownership at two levels: census tract and metropolitan area. The 1990 Home Mortgage Disclosure Act dataset combined with the 1980 and 1990 U.S. Censuses is used in the analysis. This study extends the previous studies of FHA activity by having broader coverage, a better measure of relative FHA activity and better control of other factors that affect homeownership and mortgage activity. The empirical results indicate that the FHA mortgage insurance program has significant positive effects on homeownership in predominantly white and/or moderate to high-income MSAs and predominantly minority and/or moderate- to high-income census tracts. However, the estimated coefficients associated with the relative FHA activity are found to be relatively small in magnitude. Overall, results suggest that FHA programs are of limited effect in the achievement of homeownership, but may be of greater assistance to whites relative to blacks.en_US
dc.language.isoEnglishen_US
dc.source.titleJournal of Housing Economicsen_US
dc.relation.isversionofhttp://dx.doi.org/10.1006/jhec.2002.0313en_US
dc.subjectFHA activityen_US
dc.subjectHomeownershipen_US
dc.titleHomeownership and FHA mortgage activity in neighborhoods and metropolitan areasen_US
dc.typeArticleen_US
dc.departmentDepartment of Managementen_US
dc.citation.spage152en_US
dc.citation.epage181en_US
dc.citation.volumeNumber11en_US
dc.citation.issueNumber2en_US
dc.identifier.doi10.1006/jhec.2002.0313en_US
dc.publisherAcademic Pressen_US
dc.identifier.eissn1096-0791


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