Economic Research
Economic ResearchTopic - Housing
Ninth District Insight Report - Quarter 4, 2012
April 2013 - Ninth District Insight
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
Flux in military base operations disrupts housing markets
Kathy Cobb
October 1994 - fedgazette
Special housing needs call for special measures
Kathy Cobb
October 1994 - fedgazette
When a town's economy surges, housing feels the ripple
Kathy Cobb
October 1994 - fedgazette
Montana's housing crisis: what is and isn't working
fedgazette Editorial
Nancy Stephenson
July 1993 - fedgazette
