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The Quest for Knowledge
The Research Institute for Housing America of the Mortgage Bankers Association is a 501(c)(3) trust fund. Its chief purpose
is to encourage and aid - through grants and sponsored research to distinguished scholars, educational institutions, research
facilities, and government organizations - the pursuit of knowledge of mortgage markets and real estate finance.
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Reports
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10/22/2012
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Measuring the Benefits of Homeowning: Effects on Children Redux 
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Fifteen years ago, Green and White (1997) published a paper in the Journal of Urban Economics that found that children of homeowners were more likely to stay in school and less likely to have children of their own by age 17 than children of renters. We also found that longer tenure mitigates the adverse effect of renting, so that children of renters are more likely to stay in school if their families have lived in the same rental unit longer. Thus owning may produce better outcomes for children than renting in part because owners gene
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10/22/2012
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The Historical Origins of Americas Mortgage Laws
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U.S. states vary dramatically in their mortgage laws. The laws across states differ in the legal theory underlying the mortgage contract and in how they balance the rights of creditors with those of borrowers. Moreover, the differences across states arose relatively early in America’s history. In a popular 19th century American treatise on mortgage law, Jones (1879, ch. 30) observes:
"An examination of the statutes of the several states in relation to the foreclosure of mortgages can hardly fail to surprise one at the great diversity
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