Originating lender localness and mortgage sustainability: an evaluation of delinquency and foreclosure in Indiana's mortgage revenue bond program

Originating lenders play a vital role in selecting and preparing borrowers for homeownership, directly and through partnerships with community entities. While previous research demonstrates the importance of originating lenders for mortgage access to low- and moderate-income borrowers, this analysis evaluates the influence of the originating lender, and in particular the localness of the lender, on mortgage sustainability (reduced delinquency and foreclosure). Employing data on more than 5,000 low- and moderate-income borrowers participating in Indiana's Mortgage Revenue Bond (MRB) program from 2004–2006, this analysis finds that the localness of the originating lender is significantly predictive of mortgage sustainability. After controlling for borrower, mortgage, and market characteristics, an increase in the localness of the lender is associated with a decrease in the probability of delinquency and foreclosure, particularly for higher risk (lower credit score) borrowers participating in the MRB program.     

Institutionalized social skill and the rise of mediating organizations in urban governance: the case of the Cleveland Housing Network

In this paper we build on an expanding literature that attempts to understand the changing organizational and institutional dimensions of contemporary urban governance. We do so by utilizing the Cleveland Housing Network as a lens through which salient characteristics of contemporary governance become visible. Doing so enables us to highlight the distinctive challenges of the multi-institutional nature of contemporary governance arrangements and “heterarchic” governance in particular. These challenges situate mediating organizations as central components of governance arrangements. Finally, by focusing on the distinctive characteristics of the organization's leaders, we demonstrate that mediating organizations are usefully thought of as institutionalized forms of the “social skill” of institutional entrepreneurs.     

SITUATED IDENTITIES OF YOUNG, AFRICAN AMERICAN FATHERS IN LOW-INCOME URBAN SETTINGS

Young, low-income, African American fathers have been at the center of research, practice, and policy on families over the past decade. This article uses a "voicing" analytic technique to examine identities among young, low-income, African American fathers living in an urban setting; the intersections of these identities; and the fathers' perceptions of the influences of familial, peer, and legal systems as barriers and resources in their development as fathers and the sustainability of their fathering roles. The primary questions addressed urban fathers' representations of their transition to fatherhood, intergenerational relationships, transformative events, and visions of a possible self. Results from a survey, focus groups, and interviews suggest that the fathers seek to reinvent themselves and reconstruct their identities by separating from street life, redefine home as a place of stability, and challenge the practices of social and legal systems that appear to work against their responsible fathering.     

CHILD SUPPORT GUIDELINES:

Since 1989, federal law requires states to have presumptive child support guidelines and review them using economic data on child-rearing costs at least once every 4 years. This article reviews the child support guidelines models adopted by states, how they relate to estimates of child-rearing expenditures, the extent that states are updating their guidelines, and some of the more controversial guidelines provisions (i.e., adjustments for shared-parenting time, additional dependent children, and low-income nonresidential parents). We find that many states are not updating their core formulas and schedules. As a result, several state guidelines produce support award amounts that are below the costs of raising children.     

Who benefits from preservation: The people behind the numbers

Abstract

This paper summarizes available information about the characteristics of the 4.4 million renter households in federally assisted housing. Where possible, characteristics are summarized by housing program and include information on income levels and sources, elderly and family households, and minority households. The story of a below market interest rate housing complex in Burlington, Vermont, illustrates the people at risk and one approach to preserving their housing. Accounts by elderly persons displaced in conversions of buildings subsidized under Farmers Home Administration rental assistance bring home the reality of the hardships faced by households at risk. An appendix addresses threats to the continued provision of assisted housing, including owner options to convert properties to market purposes, default, and the much more general issue of continued federal support.     

Permanent supportive housing for domestic violence victims: program theory and client perspectives

The US Violence Against Women Act of 2005 allocated $10 million to support collaborative efforts to create permanent housing options for domestic violence victims. Such programs are relatively new and rare, and up to now little research has examined their efficacy. This research investigates one permanent housing option, the permanent supportive housing model, through an exploratory case study of a Connecticut-based program currently being developed. The study compares the program design articulated by administrators and advocates with perspectives of domestic violence agency clients.

Findings indicate important differences between the program activities and goals articulated by administrators, and those preferred by clients. Although everyone agreed that personal safety was a priority, administrators stressed independence and choice whereas clients sought a stricter, community-centered environment with time-limited stays. These themes can be used to develop hypotheses for larger studies and have important preliminary policy and program implications.     

Struggling to stay out of high-poverty neighborhoods: housing choice and locations in moving to opportunity's first decade

Improving locational outcomes emerged as a major policy hope for the nation's largest low-income housing program over the past two decades, but a host of supply and demand-side barriers confront rental voucher users, leading to heated debate over the importance of choice versus constraint. In this context, we examine the Moving to Opportunity experiment's first decade, using a mixed-method approach.

MTO families faced major barriers in tightening markets, yet diverse housing trajectories emerged, reflecting variation in: (a) willingness to trade location – in particular, safety and avoidance of “ghetto” behavior – to get larger, better housing units after initial relocation; (b) the distribution of neighborhood types in different metro areas; and (c) circumstances that produced many involuntary moves. Access to social networks or services “left behind” in poorer neighborhoods seldom drove moving decisions. Numerous moves were brokered by rental agents who provided shortcuts to willing landlords but thereby steered participants to particular neighborhoods.     

History lessons for today's housing policy: the politics of low-income housing

History offers valuable lessons to housing policymakers. For those who would devise new low-income housing programs during today's trying economic circumstances, it is helpful to study the strategies that succeeded in achieving low-income housing programs in past difficult times. This article, History Lessons for Today's Housing Policy, examines the political processes that led to the adoption of new low-income housing policies during four political crises. The four crises were the Great Depression of the 1930s, the post-World War II housing shortage, the urban crisis of the 1960s, and the policy crisis of the 1970s. Among other history lessons, the article reveals that well-organized political support, especially from large institutions, is crucial to achieving distinctly different new programs; that decentralized programs are more politically resilient than centralized programs; that programs that appeal to the nation's broad middle-class are most popular; and that policy research is valuable but that politics trumps research.     

Rooms for Improvement: A Qualitative Metasynthesis of the Housing Choice Voucher Program

This article synthesizes housing subsidy voucher research to explain why, when in theory vouchers enable users to move out of poor neighborhoods, in practice they often do not. This qualitative meta-analysis presents an examination of the assumptions of the program and their relationship to empirical findings.

Two themes emerged from this synthesis: market barriers and product problems. Data from a variety of studies and contexts portray recipients struggling to use vouchers in the private rental market due to market barriers, including lack of public transportation and the presence of discrimination. Product problems constrained freedom of choice about where to move and when to make a housing transition. These constraints manifest as compromised housing quality and low voucher utilization. This synthetic view cannot account for all outcomes or exceptional cases, but results suggest where participant experiences are generalizable and attributable to features of the housing market and structure of the program itself.     

Parenting Behavior and Juvenile Delinquency Among Low-Income Families

It is widely known that parenting behavior has an impact on the development of delinquent behavior among adolescents. However, there is paucity of studies focusing on parenting behavior and its relation to juvenile delinquency among low-income families from India. The authors examined a wide range of parenting behavior and its relationship to juvenile delinquency in low-income families among Indians. Data were collected from 27 juvenile delinquent boys who were residing temporarily in an observation home in Kolkata (West Bengal, India) and 100 matched control (with respect to their socioeconomic status) juvenile boys, 11–18 years old, also from the same city. The overall findings revealed that there were higher levels of permissive parenting in the families of delinquent adolescents. It may be because low-income families have many family members that initiated the adolescents to take up some jobs to increase the family income, and this in turn affected their parents’ parenting behavior.