Laurie Goodman
Urban Institute
Washington, DC, United States
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Past articles by Laurie:
The CFPB’s Proposed Foreclosure Prohibition Is Unnecessary and Would Prolong Property Resolution
A better option is to require servicers to evaluate borrowers for all loss mitigation for which they are eligible. → Read More
The Number of Hispanic Households Will Skyrocket by 2040. How Can the Housing Industry Support Their Needs?
Three changes could reduce the barriers to homeownership for Hispanic households. → Read More
Avoiding a COVID-19 Disaster for Renters and the Housing Market
America’s 44 million renter households are, in general, more vulnerable than America’s 78 million homeowner households to the income disruption that stay-at-home policies and mass layoffs will impose during the COVID-19 crisis. Accordingly, policymakers need to act now to create a national rental assistance program that will provide direct rental payments to renters, either in rental voucher… → Read More
COVID-19 Policy Responses Must Consider the Pandemic’s Impact on Young Renters and Renters of Color
Economic volatility affects young renters more than older renters, and Black and Hispanic renters will likely face more challenges than white and Asian renters. → Read More
The Price Tag for Keeping 29 Million Families in Their Homes: $162 Billion
This funding will keep renters and homeowners housed for the next three to six months, giving them time to recover from the massive COVID-19 shock and reducing the likelihood of a full-blown housing market collapse. → Read More
Five Facts about Our Housing Supply Explain High Rents and Home Prices
Since 2009, housing demand has outstripped supply in the United States. → Read More
Labor Conditions Are a Big Factor in Our Current Housing Supply Challenges
Scarce and more expensive labor is a key contributor to the high cost of housing construction. → Read More
Negative Mortgage Interest Rates in the US? Unlikely but Possible
In Denmark, mortgage rates are negative 0.5 percent, and rates on sovereign debt are negative in many other European countries. → Read More
Explaining the Black-White Homeownership Gap: A Closer Look at Disparities across Local Markets
The gap in the homeownership rate between black and white households is the highest it has been in 50 years. This report examines key variables that explain the black-white homeownership gap and estimates the role that income, education, credit score, and marital status play both nationally and locally in 105 MSAs with large black populations. The researchers determine that roughly 17 percent of… → Read More
Statement by Laurie Goodman on Home Equity Conversion Mortgage Program
HFPC Vice President Laurie Goodman testified before the US House of Representatives’ Financial Services Subcommittee on Housing, Community Development and Insurance during a hearing that reviewed the Federal Housing Administrations’ Home Equity Conversion Mortgage Program. Her testimony explains the value of the HECM program, makes suggestions for how the program can be improved and outlines… → Read More
New Data Confirms the Urgency of Addressing the Expiration of the GSE Patch
The "GSE patch" disproportionately benefits minority and lower-income borrowers. → Read More
A significantly improved appraisal process has reduced the riskiness of refinance mortgages
Historically, purchase mortgages have defaulted less often than refinance mortgages. → Read More
Four trends to watch at the Federal Housing Administration in 2019
The release of FHA’s annual report and increase in FHA loan limits makes it a good time to assess the program’s health. → Read More
What explains the homeownership gap between black and white young adults?
Between 1999 and 2015, 42 percent of white young adults owned a home, while only 18 percent of black young adults were homeowners. → Read More
Cash-out refinancing is on the rise again. Here’s why we aren’t worried
The cash-out refinance share of all refinances is at the highest point since the 2008 financial crisis. → Read More
Four ways today’s high home prices affect the larger economy
House prices today are higher than they were in 2006, the year the housing market started to collapse. → Read More
Four ways today’s high home prices affect the larger economy
House prices today are higher than they were in 2006, the year the housing market started to collapse. → Read More
A housing survey reveals five trends about American pet owners
Over the past four years, households have become less likely to have kids and more likely to have pets. → Read More
Too many homeowners lack flood insurance, but many buy it voluntarily
New data from the American Housing Survey show that just over 1 in 10 homeowners have flood insurance nationally. → Read More
What’s preventing millennials from buying homes?
In 2015, the millennial homeownership rate was 8 percentage points lower than previous generations at the same age. → Read More