Topic - Foreclosure

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Community Land Trusts in Minnesota: A Mixed-Methods Analysis of How They Fared During the Great Recession

An exploration of how the housing boom and bust of the past decade affected community land trusts in Minnesota.
Harshada Karnik
August 2014 - Community Development Papers

Fed creates online portal to its community development resources

July 2014 - Community Dividend

Minneapolis Fed launches consumer credit data page

July 2014 - Community Dividend

How did community land trusts survive the housing crash?

Thanks to some of their features and practices, these shared-equity homeownership organizations appear to have weathered the recent crisis relatively well.
Harshada Karnik
January 2014 - Community Dividend

Minneapolis Fed releases Housing Market Index report

January 2014 - Community Dividend

Returning to the mortgage market post-default: The neighborhood effect

A recent analysis suggests that when it comes to reentering the mortgage market after a default, geography matters.
Michael Grover
January 2014 - Community Dividend

Ninth District Insight Report - Quarter 2, 2013

November 2013 - Ninth District Insight

Collaborating to create affordable housing: A conversation with Alan Arthur of Aeon

Community Dividend asks Alan Arthur, president and CEO of Minneapolis-based Aeon, how his organization is navigating the post-recession affordable housing environment in the Twin Cities.
Jacob Wascalus
October 2013 - Community Dividend

Study confirms that pre-purchase counseling reduces mortgage delinquencies

July 2013 - Community Dividend

Ninth District Insight Report - Quarter 4, 2012

April 2013 - Ninth District Insight

Contract for deed emerges as a tool for affordable housing organizations

Nonprofits are using this alternative home-financing option to help prospective buyers who cannot yet qualify for a traditional mortgage.
Jacob Wascalus
April 2013 - Community Dividend

Ninth District Insight Report - Quarter 2, 2012

Published by the Community Development Department of the Federal Reserve Bank of Minneapolis
December 2012 - Ninth District Insight

Data analysis shows extent of underwater mortgage problem in the Twin Cities

A new indicator-based analysis reveals that the greater Minneapolis-St. Paul area has the highest rates of negative equity in the Ninth Federal Reserve District.
Michael Williams
October 2012 - Community Dividend

Regulators extend independent foreclosure review deadline to December 31, 2012

October 2012 - Community Dividend

Call for papers: The eighth biennial Federal Reserve community development research conference

July 2012 - Community Dividend

Ninth District community conditions are mixed, Minneapolis Fed report finds

July 2012 - Community Dividend

What ails the housing market? Part 1: A brief exploration of key factors inhibiting home buying

Despite low prices and interest rates, the housing market remains sluggish. Why?
Jacob Wascalus
July 2012 - Community Dividend

What ails the housing market? Part 2: Perspectives from industry professionals

Individuals from the real estate, community development, banking, and government sectors share their views.
Jacob Wascalus
July 2012 - Community Dividend

Protecting Tenants at Foreclosure Act guarantees renters a baseline of legal rights

A recently enacted federal law sets a minimum amount of time for renters to continue residing in foreclosed homes.
Jacob Wascalus
April 2012 - Community Dividend

Twin Cities organization expands role of land banks

Through its acquisition, community lending, and land-banking programs, Twin Cities Community Land Bank is contributing to the Minneapolis-St. Paul area's foreclosure recovery efforts.
Jacob Wascalus
April 2012 - Community Dividend

Fed Community Development offices launch community survey initiatives

A new Reserve Bank-led initiative is designed to gather front-line information on economic conditions in low- to moderate-income communities.
Ela Rausch
January 2012 - Community Dividend

Delinquencies and foreclosures in rural areas: A snapshot of the recent performance of mortgages in Michigan's Upper Peninsula

An analysis of newly acquired mortgage data reveals that the Upper Peninsula fared better than other parts of Michigan during the recent foreclosure crisis.
Michael Grover
July 2011 - Community Dividend

Recent rule changes expand definition of community development under the CRA

New modifications to the CRA rules are designed to encourage financial institutions to help stabilize foreclosure-ravaged communities.
Paula Woessner
July 2011 - Community Dividend

HUD awards $73 million to housing counseling organizations

April 2011 - Community Dividend

On the front lines of the housing crisis: A conversation with Julie Gugin of the Minnesota Home Ownership Center

Community Dividend speaks with Julie Gugin, executive director of the Minnesota Home Ownership Center, to learn how foreclosure counselors are responding to unprecedented challenges in the housing mar
Michael Grover
April 2011 - Community Dividend

Fannie Mae launches site for struggling homeowners

January 2011 - Community Dividend

New publication describes Fed foreclosure initiatives

January 2011 - Community Dividend

Nonprofit credit counselors provide one-on-one help for consumers in crisis

In the aftermath of the recent economic meltdown, nonprofit consumer credit counseling agencies have seen unprecedented demand for their services.
Paula Woessner
January 2011 - Community Dividend

Adopting a place-conscious approach to community development: A conversation with Margery Austin Turner of the Urban Institute

Community Dividend speaks with Margery Austin Turner, Vice President for Research at the Urban Institute's Metropolitan Housing and Communities Policy Center, to learn about her comprehensive, thought
Sandy Gerber
October 2010 - Community Dividend

Community Affairs publications update

July 2010 - Community Dividend

Foreclosures on Non-Owner-Occupied Properties in Ohio’s Cuyahoga County: Evidence from Mortgages Originated in 2005–2006

An examination of home buying, borrowing, and mortgage default by non-occupant owners in Cuyahoga County, Ohio, using detailed neighborhood and demographic data.
Richard M. Todd
June 2010 - Community Development Papers

Home mortgage modifications bypassing much of the district, so far

Ronald A. Wirtz
April 2010 - fedgazette

Family Housing Fund launches Twin Cities Community Land Bank

April 2010 - Community Dividend

Minneapolis Fed releases two new Community Affairs reports

April 2010 - Community Dividend

Minnesota Home Ownership Center case study illuminates costs of foreclosure counseling

Using a cost analysis, the authors identify how one Minnesota nonprofit can achieve further efficiencies in the design and delivery of its homeownership services.
Richard M. Todd, Leo T. Gabriel
April 2010 - Community Dividend

Gaining a Better Understanding of the Costs of Homeownership Programs: A Case Study and Recommendations for Minnesota's Home Ownership Center

An analysis of program costs for the Minnesota Home Ownership Center's three primary services: homeownership classes, pre-purchase home buyer counseling, and foreclosure counseling.
Richard M. Todd, Leo T. Gabriel
March 2010 - Community Development Papers

CRE: The cracked glass slipper?

CRE exposure and delinquencies are on the rise for Ninth District banks, but the full fallout is difficult to gauge
Ronald A. Wirtz
January 2010 - fedgazette

Collateral damage

While real estate still struggles through the housing collapse, commercial mortgages are piling on more pain
Ronald A. Wirtz
January 2010 - fedgazette

2008 was a mixed year for CDCUs, report says

November 2009 - Community Dividend

New federal law protects tenants of foreclosed properties

November 2009 - Community Dividend

Report sums up research on social effects of foreclosures

November 2009 - Community Dividend

Census data show homeownership rate has fallen to 2000 levels

July 2009 - Community Dividend

Credit Conditions: Some snap and crackle, but no pop

Ronald A. Wirtz
July 2009 - fedgazette

New Markets Mortgage program broadens homeownership opportunities in Minnesota

A new profit-based mortgage product offered by the African Development Center in Minneapolis could help make homeownership possible for Muslims and other interest-averse communities.
Paula Woessner
July 2009 - Community Dividend

Land banks as a neighborhood recovery strategy: A conversation with Dan Kildee of Michigan's Genesee County Land Bank

Community Dividend speaks with Dan Kildee, Genesee County treasurer and board chair of the Genesee County Land Bank, to learn more about how land banking is contributing to redevelopment in F
Michael Grover
May 2009 - Community Dividend

Lessons learned from 22 years of debt mediation

The 22-year history of the Minnesota Farmer-Lender Mediation Program offers useful lessons about debt mediation that can be applied to our current foreclosure crisis.
Joyce Hoelting
May 2009 - Community Dividend

Partners unveil foreclosure resource site

May 2009 - Community Dividend

Did the CRA cause the mortgage market meltdown?

Two Federal Reserve economists examine whether available data support critics' claims that the Community Reinvestment Act spawned the subprime mortgage crisis.
Neil Bhutta, Glenn B. Canner
March 2009 - Community Dividend

NeighborWorks America releases report on foreclosure counseling

January 2009 - Community Dividend

Raising the credit bar, or getting clubbed by it?

Credit is tightening, but there is a fine line between tighter credit and a so-called credit crunch
Ronald A. Wirtz
January 2009 - fedgazette

Risks and realities of the contract for deed

While contracts for deed offer some advantages over a traditional mortgage, such as speed and simplicity, they can entail distinct risks for buyers and sellers. This article presents basic facts and
Crystal Myslajek
January 2009 - Community Dividend

Weathering the storm: Community developers in Minnesota face the foreclosure crisis

A close look at foreclosures in Minnesota and the ways communities are addressing the problem, individually and collectively.
Andriana Abariotes, Rose Carr
January 2009 - Community Dividend

Fed, NeighborWorks America partner to address foreclosures

November 2008 - Community Dividend

OCC releases mortgage metrics report

September 2008 - Community Dividend

New data analysis helps identify future foreclosure trouble spots

An analysis conducted by the Minneapolis Fed and the Federal Reserve Board reveals which areas of the Twin Cities region are at greatest risk of becoming mortgage foreclosure hotspots.
Andreas Lehnert, Michael Grover
May 2008 - Community Dividend

Credit risk data may help target foreclosure mitigation

Richard M. Todd, Laura Smith, Michael Grover
September 2007 - fedgazette

A little cooler than hot

South Dakota State Roundup
July 2007 - fedgazette

Financing Community Development: Learning from the Past, Looking to the Future -- Conference papers now available

July 2007 - Community Dividend

Targeting Foreclosure Interventions: An Analysis of Neighborhood Characteristics Associated with High Foreclosure Rates in Two Minnesota Counties

An analysis of neighborhood characteristics associated with high foreclosure rates in Hennepin and Ramsey counties, the two core counties in Minnesota's Twin Cities metropolitan area.
Richard M. Todd, Laura Smith, Michael Grover
June 2007 - Community Development Papers

Has the increase in foreclosures in the subprime mortgage sector had any effect on your business, or had a noticeable effect on local housing conditions? How so?

District Voices
May 2007 - fedgazette

Montana foreclosure prevention campaign wins double honors

March 2007 - Community Dividend

Fed-led research reveals need for better Twin Cities foreclosure data

An analysis led by researchers at the Federal Reserve Bank of Minneapolis reveals that the availability and usefulness of foreclosure data are often inadequate, at least in the Twin Cities region.
Michael Grover
September 2006 - Community Dividend

Foreclosure prevention is Minnesota group's mission

The Minnesota Mortgage Foreclosure Prevention Association is a statewide network of individuals and member organizations that dedicate their time to a serious mission: helping people avoid home mortga
Sandy Gerber
November 2005 - Community Dividend

Post-purchase counseling: An EMHI strategy to close homeownership gaps

Minnesota appears to be well-positioned to pursue the goal of using post-purchase support programs to reduce the incidence of mortgage foreclosures.
Richard M. Todd, Michael Grover
November 2005 - Community Dividend

NCLC warns of foreclosure "rescue" scams

September 2005 - Community Dividend

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