From: Subject: Barriers to Minority Homeownership - HUD Date: Sat, 21 Jun 2008 19:43:45 -0400 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_002C_01C8D3D7.1E22DDD0" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 This is a multi-part message in MIME format. ------=_NextPart_000_002C_01C8D3D7.1E22DDD0 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.hud.gov/news/releasedocs/barriers.cfm =EF=BB=BF Barriers to = Minority Homeownership - HUD
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3D"[The  
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Barriers to=20 Minority Homeownership

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The Department of Housing and Urban Development (HUD) has = reviewed updated statistics issued by the U.S. Census Bureau = on the=20 homeownership rates of minority households. Despite = increases in the=20 number of minority families that became homeowners, the = census=20 figures show that large differences in rates of = homeownership=20 between minority and white households remain and have = narrowed only=20 slightly.

According to an analysis of these numbers by HUD, the = minority=20 homeownership rate was 26.8 percentage points below the rate = for=20 white households in 1994. The black homeownership rate was = 27.5=20 percentage points below the white rate, and the Hispanic = rate was=20 28.8 percentage points below the rate of whites in 1994. By = 2001,=20 the gap had been reduced by only 1.5 percentage points for = all=20 minorities, 1.6 percentage points for African-Americans, and = 1.8=20 percentage points for Hispanic households.=C2=B9= =20

Barriers to Homeownership
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Increases in minority homeownership have occurred = recently in an=20 extremely positive low-interest-rate, low-unemployment = economic=20 environment. Moreover, during the 1990s the conventional = mortgage=20 industry began offering a wider range of affordable lending=20 programs. This is good, but not enough to close the = homeownership=20 gap. This initial increase of innovation in the conventional = market=20 has already reached many of those that were poised to become = homeowners. And because future economic conditions are=20 unpredictable, a reduction of the gap in homeownership = levels of=20 non-Hispanic whites and minority families is not a foregone=20 conclusion and cannot be assumed. If the persistent gaps in = minority=20 homeownership are to be substantially narrowed, the = structural=20 barriers faced by minority families, or those that have a = pronounced=20 effect on minority communities, must be eliminated.

There are multiple barriers that prevent minority = families from=20 becoming homeowners. Those barriers include:=20

  • lack of capital for the down payment and closing = costs;=20
  • lack of access to credit and poor credit history;=20
  • lack of understanding and information about the = homebuying=20 process, especially for families for whom English is a = second=20 language;=20
  • regulatory burdens imposed on the production of = housing;=20
  • continued housing discrimination.

1. Lack of Capital for Down Payment and Closing = Costs:=20

  • Down payment and closing costs are often the single = greatest=20 barrier to homeownership.=20
  • Minority families lack the accumulated wealth for down = payment=20 and closing costs. Homeownership is a vehicle to building = wealth=20 and assets, which in turn become instruments for = homeownership=20 opportunities for the next generation of family members. =

2. Lack of Access to Credit and Poor Credit = History=20

  • Access to lenders becomes difficult when mainstream = financial=20 institutions are not located near potential low-income = homebuyers.=20
  • Many potential low-income homebuyers have not = established=20 credit or maintained a good credit history.=20
  • Families with poor credit histories are either = rejected for=20 mortgage credit or given loans with high interest rates. =

3. Lack of Understanding and Information about the = Homebuying=20 Process=20

  • Homebuyers who do not understand the homebuying = process, or=20 for whom English is a second language, are less likely to = be=20 successful in their search for a home of their own.=20
  • These families are particularly subject to predatory = lending=20 practices by those who charge exorbitant fees and make = loans with=20 a high likelihood of foreclosure.=20
  • Predatory lending can include loan flipping, home = improvement=20 scams, asset-based and unaffordable mortgage loans, = repeated=20 refinancing with no borrower benefit, and packing single = premium=20 credit life insurance and other products into the loan = amount.=20
  • Lack of clarity at closing time is a significant = barrier to=20 homeownership. At closing, many families discover = unexpected fees=20 that can add hundreds or even thousands of dollars to the = cost of=20 their loans. The purchaser is forced to make a difficult = choice:=20 either hand over the extra cash, or lose the house.=20
  • The law mandating the information to be provided to = consumers=20 in connection with their home purchase, the Real Estate = Settlement=20 Procedures Act, dates back to 1974. Even after years of = revision,=20 the paperwork when purchasing a home can challenge legal=20 professionals, and creates headaches for homebuyers. =

4. Regulatory Burdens=20

  • The high cost of housing often results from a web of=20 government regulations. Federal, state, and local codes, = processes=20 and controls delay and drive up the cost of new = construction and=20 rehabilitation.=20
  • Unnecessary and cumbersome development regulations = contribute=20 to high housing costs. Barriers involve zoning, land = development=20 and site planning, building codes and standards, = infrastructure,=20 administration and processing, and impact fees.=20
  • In some states, developers report that excessive = regulation=20 adds 25 to 35 percent to the cost of a new house. = Substantial=20 delays to meet burdensome regulations are not uncommon.=20
  • When barriers are intentional - through the "Not = In My=20 Back Yard" syndrome of exclusionary zoning, expensive = building=20 fees, and burdensome regulations - the situation is=20 particularly harmful; communities with the most = restrictive land=20 use and zoning regulations often have affordable housing=20 shortages.=20
  • Affordability often hits minority home-seekers = hardest,=20 particularly in urban centers where the housing stock has=20 deteriorated. The overall homeownership rate for these = central=20 cities is only 51.5 percent.

5. Continued Housing Discrimination=20

  • Americans are too often denied access to a suitable = living=20 environment based on race, color, national origin, = religion,=20 gender, familial status, or disability.=20
  • A variant on discrimination can be exclusionary zoning = spawned=20 by the "Not In My Back Yard" syndrome; this can lead = communities=20 to fear that affordable housing may result in lower land = values;=20 suburban areas sometimes erect impediments, such as = requiring=20 large lots, to discourage all but a few households who can = afford=20 them; if development controls and regulations fail to = address=20 equitably the needs of citizens, they result in an = especially=20 pernicious form of discrimination.=20
  • Barriers to homeownership faced by African-Americans,=20 Hispanics, Asian-Americans, and other minorities will = differ=20 depending on where they may live.

Overcoming Barriers to Homeownership: Administration=20 Actions

Down payment costs - including closing costs - = remain=20 the most significant single barrier to homeownership, = especially for=20 low- to moderate-income households. The American Dream = Downpayment=20 Fund proposed in the FY2003 budget at $200 million will set = 130,000=20 first-time homebuyers on the path to owning their own = home.

The Administration has also proposed to provide thousands = of=20 low-income Americans the opportunity to move into their own = homes=20 with the help of HUD's Section 8 Housing Choice Voucher = Program. The=20 new plan, part of the Administration's FY2003 budget, allows = local=20 housing officials to provide families with up to one-year's = worth of=20 housing voucher payments to be used toward the down payment = on a=20 home. Prospective homebuyers would have the choice of using = their=20 vouchers for down payment assistance or mortgage = expenses.

The Administration has two major initiatives designed to = address=20 the lack of understanding about the homebuying process that = presents=20 a significant barrier to many minority families. Housing = counseling=20 is an invaluable tool for prospective homebuyers. Research = has=20 demonstrated that counseling can be effective in reducing = mortgage=20 delinquency. The Administration has proposed for FY2003 the=20 establishment of a separate housing counseling program with = a 75=20 percent increase in funding to $35 million to complement the = Department's array of new homeownership initiatives. In = particular,=20 the additional funding will enable counseling agencies = across the=20 country to hire and train bilingual counselors and also = produce=20 written materials in multiple languages to reach out to = minority=20 households. Housing counseling can also be a financial = literacy and=20 credit rehabilitation tool for families with poor credit=20 histories.

The Administration has proposed a number of other = initiatives to=20 encourage homeownership, including a proposed tripling of = the funds=20 for the Self-Help Homeownership Opportunity Program (SHOP) = to $65=20 million. SHOP benefits faith-based and other community=20 organizations, like Habitat for Humanity, dedicated to = turning=20 low-income Americans into homeowners. This program expansion = will=20 help support the construction of 3,800 homes, fueled in part = by the=20 "sweat equity" of participating families.

In addition, the Administration has proposed a $2.4 = billion=20 Single-Family Affordable Tax Credit that will help develop = and=20 rehabilitate single-family homes. This investor-based tax = credit=20 will encourage developers and non-profit organizations to = build new=20 single-family affordable houses or rehabilitate existing = ones, and=20 will result in an additional 200,000 homes becoming = available for=20 purchase in low-income neighborhoods.

Private Sector Involvement and Commitment

Despite the Administration's actions, it is clear that=20 continuation of the increases in minority homeownership that = occurred during the economic environment of the 1990s is not = assured=20 for the future. Private sector actors involved in the real = estate=20 and mortgage lending industries will need to increase their = levels=20 of product innovation and marketing to minority families in = order to=20 sustain these growth rates.

=C2=B9Homeownership = rates used for=20 white and African-American households exclude Hispanic=20 households.

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Content updated June 17, 2002    Back to=20 top   
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