Topic - Housing

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Fed creates online portal to its community development resources

July 2014 - Community Dividend

Maximizing the tribal land buy-back program: How priority lists can help tribes influence what's purchased

By identifying desirable parcels for development, American Indian tribes can make the most of a federal program that's putting reservation land back in tribal hands.
Jacob Wascalus
July 2014 - Community Dividend

Northside Achievement Zone aims to break the poverty cycle through education

A collaborative effort among schools, neighborhood groups, and service organizations is working to boost academic performance and family stability in North Minneapolis.
Jacob Wascalus
July 2014 - Community Dividend

State incentive fund helps ease North Dakota's affordable housing shortage

The North Dakota Housing Incentive Fund, a tax-incentive program to fund housing for essential workers and low- to moderate-income people, is a hit with contributors and developers alike.
Paula Woessner
July 2014 - Community Dividend

Mass CDFI recertification push winnows list, ensures compliance

A 2013 mandate from the U.S. Treasury resulted in a reduced but focused pool of community development financial institutions.
Jacob Wascalus
April 2014 - Community Dividend

North Dakota oil boomtown has nation's highest rent

April 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

Rural Data Portal gets an update

October 2013 - Community Dividend

Techies and neighborhood groups hack their way to community solutions

At civic hackathons, community leaders and volunteer technologists join forces to design and build digital tools that address local needs.
Jacob Wascalus
October 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

Human service organizations "tread water" in face of funding uncertainty

Unpredictability over public funding levels is hampering many nonprofit organizations' efforts to improve or expand services.
Jacob Wascalus
January 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

North Dakota oil boom squeezes seniors who rent

The surging energy industry in the Bakken oil patch may be making life harder for some area residents, particularly the elderly.
Jacob Wascalus
October 2012 - Community Dividend

Regulators extend independent foreclosure review deadline to December 31, 2012

October 2012 - Community Dividend

New rental available, comes with yard

More owner-occupied homes are being converted to rental properties. But their effect on the market is hard to gauge
Ronald A. Wirtz
July 2012 - fedgazette

Buddy, can you spare a bedroom?

Challenges abound for those seeking affordable housing
Ronald A. Wirtz
July 2012 - fedgazette

Rental housing markets: Musical chairs, with fewer chairs

While the homeownership market struggles, the rental sector is finding its legs. That’s good for rental property owners, and less good for renters
Ronald A. Wirtz
July 2012 - fedgazette

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

No room at the inn

For newcomers to oil country, their first job is finding a place to live
Phil Davies
April 2012 - fedgazette

More U.S. households face severe housing cost burdens, study finds

April 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

Minneapolis Fed launches Ninth District Community Insight report series

January 2012 - Community Dividend

Minot: Reeling but resilient

Ronald A. Wirtz
October 2011 - fedgazette

homeWORD receives 2011 Innovation Award

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

Envisioning a different type of suburb

An interview with University of Minnesota geographer Brenda Kayzar
Phil Davies
January 2011 - fedgazette

How good is the Good Faith Estimate?

An analysis of new research suggests that, contrary to the views of some observers, the Good Faith Estimate disclosure has been an accurate predictor of actual mortgage closing costs.
J. Michael Collins
January 2011 - Community Dividend

New publication describes Fed foreclosure initiatives

January 2011 - Community Dividend

Mild Ninth District recovery expected to warm up

District Economic Outlook
Toby Madden, Rob Grunewald
December 2010 - fedgazette

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

Federal government releases plan to end homelessness

October 2010 - Community Dividend

NeighborWorks Montana receives Top Producer award

October 2010 - Community Dividend

Ninth District community developers use green innovations to help make housing affordable

For affordable housing developers, the goal of "going green" is not only to provide permanent shelter and community stabilization at a lower cost, but to provide low-income families with long-term red
Deborah Booth Summers
October 2010 - Community Dividend

Short sales stand tall

More sellers—and mortgage holders—of “underwater” homes are taking what they can get
Joe Mahon
July 2010 - fedgazette

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

Is the housing market awakening?

Ronald A. Wirtz
June 2010 - fedgazette

Home mortgage modifications bypassing much of the district, so far

Ronald A. Wirtz
April 2010 - fedgazette

Tax credits for first-time castles

The home buyer's tax credit has given the housing market a boost. But what happens when the credit ends?
Ronald A. Wirtz
April 2010 - fedgazette

Family Housing Fund launches Twin Cities Community Land Bank

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

A slow recovery is under way

District Economic Outlook
Toby Madden, Rob Grunewald
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

New federal law protects tenants of foreclosed properties

November 2009 - Community Dividend

Quiet summer at the lake

Demand has cooled for vacation homes in the district
Joe Mahon
November 2009 - fedgazette

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

Minnesota Home Ownership Center assumes responsibility for EMHI

July 2009 - Community Dividend

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

Revisiting the place-based CDC model: A conversation with Brian Miller of Seward Redesign

Community Dividend speaks with Brian Miller, executive director of Seward Redesign in Minneapolis, to learn how neighborhood-based community development corporations are coping in these uncer
Michou Kokodoko
July 2009 - Community Dividend

Another reason to love country living

Kansas City Fed's Wilkerson talks about prices in rural housing markets
May 2009 - fedgazette

Homeownership gaps among Indian reservations prove puzzling

An analysis of some persistent gaps in homeownership rates among American Indian reservations in the Ninth Federal Reserve District.
Richard M. Todd, Federico Burlon
May 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

What is the outlook for early season home sales in your community?

May 2009 - fedgazette

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

Fed releases report on concentrated poverty

January 2009 - Community Dividend

Home to roost

As the housing mortgage industry reevaluates creditworthiness, some players and markets are shrinking, while others see opportunity
Joe Mahon
January 2009 - fedgazette

NeighborWorks America releases report on foreclosure counseling

January 2009 - Community Dividend

Ninth District economy slips into recession

Toby Madden, Rob Grunewald
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

Community Affairs releases report on Hmong homeownership rates

November 2008 - Community Dividend

Economy: Funny odd, not funny ha-ha

Minnesota State Roundup
November 2008 - fedgazette

Fed launches online guide to mortgage refinancing

November 2008 - Community Dividend

Fed, NeighborWorks America partner to address foreclosures

November 2008 - Community Dividend

First Homes broadens homeownership opportunities in Rochester

Through its community land trust program and comprehensive plan for downtown revitalization, a local nonprofit organization works to provide affordable homes for low- and moderate-income families in t
Deborah Booth Summers
November 2008 - Community Dividend

Accounting for Regional Migration Patterns and Homeownership Disparities in the Hmong-American Refugee Community, 1980-2000

An analysis of Hmong homeownership rates in the U.S. over the previous two decades, with a focus on examining gaps in rates among the geographic areas where Hmong refugees are concentrated.
Richard M. Todd, Michael Grover
October 2008 - Community Development Papers

Crying foul on property tax relief

North Dakota State Roundup
September 2008 - fedgazette

OCC releases mortgage metrics report

September 2008 - Community Dividend

A man’s home is his unsold castle

District housing markets have faltered, particularly in Minnesota and Wisconsin, but might be returning to historical norms
Clint Pecenka, Ronald A. Wirtz
July 2008 - fedgazette

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

New Year's resolution: Let's not do 2007 again, hmm?

Minnesota State Roundup
March 2008 - fedgazette

Achieving economies of scale through strategic restructuring: The case of Sparc

How two well-established CDCs in St. Paul, Minn., responded to funding pressures by merging to form a new entity called Sparc.
Michou Kokodoko
January 2008 - Community Dividend

Community Affairs releases mortgage broker regulation report

January 2008 - Community Dividend

Bitterroot Valley loan program turns teachers into homeowners

An innovative lending program helps make homeownership a reality for schoolteachers in Montana's Bitterroot Valley.
Sue Woodrow
November 2007 - Community Dividend

FFIEC releases 2006 HMDA data

November 2007 - Community Dividend

North Dakota increases home repair grants

November 2007 - Community Dividend

Bozeman caps home prices

Montana State Roundup
September 2007 - fedgazette

Rental rebound

Apartment vacancy rates are falling around the district, but slower home sales are only part of the story
Joe Mahon
September 2007 - fedgazette

A conversation with Jeff Washburne -- Director, City of Lakes Community Land Trust

Community Dividend speaks with Jeff Washburne, director of the City of Lakes Community Land Trust, to learn more about the organization's work and the challenges community land trusts face.
July 2007 - Community Dividend

A little cooler than hot

South Dakota State Roundup
July 2007 - fedgazette

Community land trusts strive for permanent housing affordability

Community Land Trusts (CLTs) appear to have the potential to make homes permanently affordable. Here, we explore the workings of CLTs and examine some of the challenges to this innovative form of hom
Michael Grover
July 2007 - Community Dividend

Depreciating castles

Minnesota State Roundup
July 2007 - fedgazette

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

HUD releases national report on homelessness

May 2007 - Community Dividend

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

Do fence me in?

Rural sprawl happens when people try to grab their slice of paradise in the country. Critics view it as devastating; newcomers are just looking for a better life.
Douglas Clement
March 2007 - fedgazette

Lost best place

As city dwellers seek bucolic bliss, sprawl is spreading to the countryside. Problem, or opportunity?
Douglas Clement
March 2007 - fedgazette

Montana foreclosure prevention campaign wins double honors

March 2007 - Community Dividend

Hammers still swinging

South Dakota State Roundup
January 2007 - fedgazette

Update on Minnesota minority homeownership initiative

A summary of progress made by the State of Minnesota Emerging Markets Homeownership Initiative.
September 2006 - Community Dividend

Expensive, but still cheap

Wisconsin State Roundup
July 2006 - fedgazette

Minnesota Hispanic chamber receives homebuyer counseling contract

July 2006 - Community Dividend

HUD report reveals worst case housing needs

May 2006 - Community Dividend

Minnesota homeownership initiative hires its first director

May 2006 - Community Dividend

Can HMDA data herald neighborhood changes?

For years, researchers have used data collected under the Home Mortgage Disclosure Act (HMDA) to examine important fair lending issues. Could HMDA data also be used to collect neighborhood-level anal
Michael Grover
March 2006 - Community Dividend

Build it; they will come

North Dakota State Roundup
January 2006 - fedgazette

Realtors give their own version of free toaster

South Dakota State Roundup
January 2006 - fedgazette

Four projects kick off "green" initiative in Minnesota

November 2005 - Community Dividend

New St. Paul housing program announced

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

What are your expectations for housing prices in your area over the next six months to two years?

District Voices
November 2005 - fedgazette

A Case for Post-Purchase Support Programs as Part of Minnesota's Emerging Markets Homeownership Initiative

A discussion of why Minnesota is in a good position to implement the post-purchase support provisions of the Emerging Markets Homeownership Initiative.
Richard M. Todd, Michael Grover
October 2005 - Community Development Papers

Hispanics vulnerable to predatory lending, NCLR says

September 2005 - Community Dividend

Mortgage agreements expand homeownership opportunities on tribal lands

Thanks to several dedicated housing partners, American Indians on trust land are entering a new era in which they can obtain traditional mortgages to build or purchase their own homes.
Mary Lou Affleck
September 2005 - Community Dividend

NCLC warns of foreclosure "rescue" scams

September 2005 - Community Dividend

State of U.S. housing mixed, report says

September 2005 - Community Dividend

Twin Cities refugee groups tackle community development

Refugee groups in Minnesota are expanding their mutual assistance efforts to include community development activities.
Bo Thao
September 2005 - Community Dividend

WHEDA awards $822,000 in housing grants

September 2005 - Community Dividend

Dealer, heal thyself

Consumer-unfriendly tactics plague sales.
Ronald A. Wirtz
July 2005 - fedgazette

Ginnie Mae I buy a manufactured home?

Secondary financial markets could boost the industry.
Ronald A. Wirtz
July 2005 - fedgazette

Growing up mobile

It’s not just a trailer park anymore.
Ronald A. Wirtz
July 2005 - fedgazette

Hello, have we met?

Manufactured housing suffers an image problem.
Ronald A. Wirtz
July 2005 - fedgazette

Home, sweet (manufactured?) home

The familiar industry you know nothing about battles the legacy of its mobile roots.
Ronald A. Wirtz
July 2005 - fedgazette

M & M & Ms

Mobile, manufactured, modular—is there any real difference?
Ronald A. Wirtz
July 2005 - fedgazette

A rising housing tide

Despite economic ups and downs, strong housing markets have managed to lift a lot of boats.
Ronald A. Wirtz
May 2005 - fedgazette

Bureaucratic rent trends

Data suggest soft rental markets in the district.
Ronald A. Wirtz
May 2005 - fedgazette

Close-knit neighborhoods

Home-buying trends carve new niches in home types.
Ronald A. Wirtz
May 2005 - fedgazette

Homeownership gap calls for broad, balanced response

In remarks delivered at the formal launch of the State of Minnesota Emerging Markets Homeownership Initiative on June 28, 2004, Richard M. Todd summarized some of the key facts about homeownership in
Richard M. Todd
May 2005 - Community Dividend

Homeownership initiative targets Minnesota's emerging markets

The State of Minnesota Emerging Markets Homeownership Initiative is charged with developing a business plan for dramatically reducing the state's homeownership gap by 2010.
Jacqueline King
May 2005 - Community Dividend

Housing affordability: Catch me if you can

Has housing affordability improved? Yes and no.
Ronald A. Wirtz
May 2005 - fedgazette

Housing data show gains, not parity, for some groups

An examination of home lending trends in Minneapolis-St. Paul during the 1997-2003 housing boom.
Michael Grover
May 2005 - Community Dividend

An open house for real estate agents

In the last few years the real estate market, both nationwide and in the Ninth District, has been on fire. And, like moths swarming to that fire, the market for real estate agents has also swelled.
Joe Mahon
March 2005 - fedgazette

Federal agencies partner to promote Native homeownership

March 2005 - Community Dividend

Loan limits for most reverse mortgages increase

March 2005 - Community Dividend

National homeownership campaign honors Montana network

March 2005 - Community Dividend

Homeownership becoming less affordable for middle class, report says

November 2004 - Community Dividend

Housing organizations create new insurance company

November 2004 - Community Dividend

How do you keep 'em ... ?

Minnesota State Roundup
November 2004 - fedgazette

Minnesota launches minority homeownership initiative

November 2004 - Community Dividend

The housing price is right

District housing prices are rising overall, but metros depict different pictures.
Colbey Sullivan
November 2004 - fedgazette

A fast, variable-speed mortgage roller coaster

A strong district mortgage market, but marked differences among metro areas.
Colbey Sullivan
September 2004 - fedgazette

A unique partnership provides housing help in Montana

Glacier Affordable Housing Foundation is helping make homeownership a reality for creditworthy low- and moderate-income families in northwest Montana.
Sue Woodrow
August 2004 - Community Dividend

For seniors, reverse borrowing can be a financial step forward

Reverse mortgages are designed to supply an income stream while allowing seniors to stay in their homes.
Paula Woessner
August 2004 - Community Dividend

Plan to end long-term homelessness in Minnesota released

August 2004 - Community Dividend

What is the outlook for the housing market heading into the spring and summer season, and how have persistent low interest rates affected this season's outlook?

District Voices
May 2004 - fedgazette

Growth in house prices moderated in 2003

Rob Grunewald
March 2004 - fedgazette

Office flu shots, anyone?

Some district office markets still recovering from downturn, but some never got sick in the first place
Joe Mahon
March 2004 - fedgazette

HUD program is a key to Native American homeownership in District

A profile of the U.S. Department of Housing and Urban Development's Section 184 mortgage program for Native American communities.
Paul S. Jurkowski
November 2003 - Community Dividend

Volvo recognizes hometown hero

November 2003 - Community Dividend

... Country mouse (but growing)

Minnesota State Roundup
September 2003 - fedgazette

City mouse ...

Minnesota State Roundup
September 2003 - fedgazette

Credit availability: A snapshot of the Hmong business community in Minneapolis and St. Paul

A Federal Reserve study examines credit markets from the borrowers' perspective
Arthur J. Rolnick, David Fettig
August 2003 - Community Dividend

HMDA changes are on the way; new rules take effect in 2004

2004 revisions to the Home Mortgage Disclosure Act will increase the amount and types of public information about residential real estate lending.
Karin Modjeski Bearss
August 2003 - Community Dividend

New Minnesota capital fund launched

August 2003 - Community Dividend

Home sales, prices and home delinquencies are up

Rob Grunewald
November 2002 - fedgazette

Property flipping in the Twin Cities

In the late 1990s, a widespread mortgage scam targeted at low-income neighborhoods was uncovered in the Minneapolis-St. Paul metropolitan area.
Nikki Foster
November 2002 - Community Dividend

The Affordable Housing Shortage: Considering the Problem, Causes and Solutions

The author's data analysis concludes that a shortage of income is largely behind the housing affordability problem.
Ron J. Feldman
September 2002 - The Region

Alternative financing: Issues and opportunities for lenders and interest-averse populations

There is great demand among Muslims and certain other faith-based populations for alternative financial products that will provide access to credit in a manner consistent with their religious beliefs.
Nikki Foster, Nicole Bennett, Margaret Tyndall
August 2002 - Community Dividend

Great Falls NHS ranks first

August 2002 - Community Dividend

National Congress of American Indians receives $200,000 grant

August 2002 - Community Dividend

Home prices climb

Rob Grunewald
July 2002 - fedgazette

Homeownership: A Continuing American Dream

2001-2002 Student Essay Contest Winner
Benjamin Knelman
June 2002 - The Region

Mortgage Rates, Homeownership Rates, and Government-Sponsored Enterprises

Ron J. Feldman
May 2002 - Annual Reports

Mortgage Rates, Homeownership Rates, and Government-Sponsored Enterprises

2001 Annual Report Essay: A review of studies on the effects mortgage rates have on homeownership and, in particular, the role of Fannie Mae and Freddie Mac, government-sponsored entities.
Ron J. Feldman
April 2002 - The Region

President's Message

2001 Annual Report: Gary Stern, president of the Federal Reserve Bank of Minneapolis, comments on the government's role in increasing homeownership rates, the topic of the 2001 annual report's essay.
Gary H. Stern
April 2002 - The Region

District residential construction holding its own

Donna M. Scheck
January 2002 - fedgazette

Agencies receive NAHRO awards

November 2001 - Community Dividend

Fed Gov. Gramlich tours Great Falls for look at affordable housing efforts

A summary of Federal Reserve Governor Edward Gramlich's June 2001 visit to Great Falls, Mont.
Paula Woessner
November 2001 - Community Dividend

Community development under the CRA: Review of the 1995 regulations begins

With review of the current Community Reinvestment Act (CRA) regulations imminent, Community Dividend presents an overview of the definition of community development under the CRA.
Margaret Tyndall
August 2001 - Community Dividend

Study: Homes near affordable housing properties perform well

August 2001 - Community Dividend

Ninth District states—by the numbers

Rob Grunewald
March 2001 - fedgazette

Five Minnesota communities receive housing grants

November 2000 - Community Dividend

Honors for housing initiative

November 2000 - Community Dividend

Montana high school students build affordable housing

November 2000 - Community Dividend

Walking the Native Path to Economic Development: Results of Fall 1999 conference

A discussion of the results of a Fed-sponsored, Fall 1999 conference on tribal economic development.
Margaret Tyndall, Thomas Moore
November 2000 - Community Dividend

District rental vacancy rates below U.S. average

October 2000 - fedgazette

Eau Claire at front of metro class

Wisconsin State Roundup
October 2000 - fedgazette

A conversation with ... Elise Hoben and Bob Poznanski of Rural LISC

Community Dividend discusses rural community development corporations with Elise Hoben and Bob Poznanski, two noted experts from Rural Local Initiatives Support Corporation.
August 2000 - Community Dividend

Affordable housing champs

August 2000 - Community Dividend

Churchs Ferry receives flood grant

August 2000 - Community Dividend

Operation Walking Shield

August 2000 - Community Dividend

Rural CDCs: Building the capacity for success

In many American rural areas, crucial community development services are provided by community development corporations, or CDCs.
Margaret Tyndall
August 2000 - Community Dividend

Letters to the Editor

Letter to the editor regarding fedgazette issue on Manufactured Housing
January 2000 - fedgazette

Ninth District Outlook

Ninth District Economic Forecast Charts
January 2000 - fedgazette

Conference participants share their own views

A summary of participants's responses to key questions asked at an April 1999 mixed-use development conference.
Nicole Bennett
November 1999 - Community Dividend

Partnerships and financing are key to mixed-use development

At a mixed-use development conference in Minneapolis, lenders and local government staff provided valuable insight into real-world issues and lessons they learned in doing mixed-use projects.
Nicole Bennett
November 1999 - Community Dividend

The facts about the Twin Cities

Is the Twin Cities metropolitan area exceptional? A new publication from the Federal Reserve Bank of Minneapolis address that question and others.
Cindy Porter
March 1999 - Community Dividend

Who's receiving mortgage loans in the Twin Cities?

Data collected under the Home Mortgage Disclosure Act reveal who is accessing mortgage loans in the Twin Cities metropolitan area.
Stephanie Omersa, Mike Wold
March 1999 - Community Dividend

Explaining the shortage of affordable housing

Community Dividend explores why affordable housing shortages persist in so many communities.
Stephanie Omersa
October 1998 - Community Dividend

Follow up on HUD 184 program article

An update on the HUD 184 residential mortgage loan program for Indian Country.
July 1998 - Community Dividend

HUD 184 loan program helps Native Americans achieve homeownership

The HUD 184 loan program is designed to mitigate many factors that inhibit mortgage lending on American Indian reservations.
Deanna Lucero
April 1998 - Community Dividend

Implementing NAHASDA: How the rule was written

Doug Dewalt, a tribal representative serving on NAHASDA's Negotiated Rulemaking Committee, discusses his experience relating to the enactment of the historic Indian housing act.
Thomas Moore
April 1998 - Community Dividend

Relative Median Existing Home Price Index, Third Quarter 1997

United States Map
April 1998 - fedgazette

Roles and responsibilities for processing the HUD 184 Indian Home Loan Guarantee Program

Details about who does what in the HUD 184 loan program.
April 1998 - Community Dividend

Assistant Secretary Retsinas' speech highlights housing conference

Community Dividend presents excerpts from a speech that Nicholas Retsinas, HUD Assistant Secretary for Housing-Federal Housing Commissioner, delivered to a South Dakota housing conference.
Nicholas Retsinas
December 1997 - Community Dividend

Flood insurance helps manage risk of financial loss

Answers to questions about the National Flood Insurance Reform Act of 1994's technical requirements.
Lisa DeClark
December 1997 - Community Dividend

Small town addresses big housing shortage

A Deadwood, S.D., housing organization works to satisfy the increasing need for affordable housing for local residents and commuting workers.
December 1997 - Community Dividend

When neighborhood housing programs succeed, everyone benefits

Top of the Ninth Column
Gary H. Stern
June 1997 - The Region

Changes in Indian Country

A summary of the Native American Housing Assistance and Self-Determination Act of 1996.
Jacqueline Kruszek
April 1997 - Community Dividend

Uncertainty in Federal Intervention

Fannie Mae, Freddie Mac and the housing subsidy trail
Ron J. Feldman
September 1996 - The Region

How the New CRA Will Affect Mortgage Lending

Top of the Ninth
Gary H. Stern
December 1995 - The Region

Demographics shape housing market

David S. Dahl
October 1994 - fedgazette

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October 1994 - fedgazette

Special housing needs call for special measures

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October 1994 - fedgazette

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Montana's housing crisis: what is and isn't working

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