Janneke Ratcliffe
@jannekeratcliffe.bsky.social
📤 54
đź“Ą 89
đź“ť 21
Vice President, Housing and Communities Division
@urbaninstitute.bsky.social
Another great read! Here, Alanna McCargo highlights what Houston's experience can show us about the downstream effects of storms on housing affordability.
www.urban.org/research/pub...
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A Perfect Storm of Rising Costs Threatens America’s Housing Market
This brief provides a case study of one housing market that many markets across the country can examine. The pressures on households, real estate and insuran…
https://www.urban.org/research/publication/perfect-storm-rising-costs-threatens-americas-housing-market
about 2 months ago
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In uncertain times you can always count on the data-driven
#impact
and
#analysis
from our monthly Chartbook. Read the latest issue here:
www.urban.org/research/pub...
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Housing Finance at a Glance: A Monthly Chartbook September 2025
Housing Finance at a Glance is a monthly reference guide policymakers and industry professionals have used since 2013 to stay informed about the latest mortg…
https://www.urban.org/research/publication/housing-finance-glance-monthly-chartbook-september-2025
about 2 months ago
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New from the Urban-Brookings Tax Policy Center, read about tariffs impacting home construction and renovation costs.
taxpolicycenter.org/taxvox/recen...
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Recent Tariffs Threaten Residential Construction
Using TPC’s tariff model, we calculated that current tariffs, including those just announced, will add roughly $30 billion to the costs of investment in residential structures.
https://taxpolicycenter.org/taxvox/recent-tariffs-threaten-residential-construction
about 2 months ago
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reposted by
Janneke Ratcliffe
Urban Institute
3 months ago
Join the Urban Institute on 9/25 @ 5:30 p.m. ET for a hybrid discussion on the importance of estate planning as a
#wealth
preservation tool, the opportunities presented by adopting
#technology
, and the potential challenges.
#LiveatUrban
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Untangling a Complex Problem: Preserving Housing Wealth for Vulnerable Owners through Technology and Estate Planning
Homeownership is a key source of household wealth. Many households hope to build wealth through homeownership and to pass it down to future generations. But …
https://urbn.is/4nsRzeN
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Brilliant new look at how to measure the housing shortage - down to the neighborhood level. Urban's Jim Parrott teamed with experts at Moody's, PolicyMap and Policy Solutions at Reinvestment Fund to get beneath the national estimates. Read the full brief here:
www.urban.org/research/pub...
4 months ago
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Have any plans tomorrow afternoon? If not, there's still time to register for our event and networking reception! Join us as we discuss the past, present, and future of credit scores in housing finance.
www.urban.org/events/past-...
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The Past, Present, and Future of Credit Scores in Housing Finance
https://www.urban.org/events/past-present-and-future-credit-scores-housing-finance
5 months ago
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In the first ever controlled study of rent reporting impacts, Urban researchers find that positive-only rent reporting leads to large, statistically significant increases in the likelihood of having a credit score. Read all about it in our newly released report
www.urban.org/research/pub...
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Evaluating Rent Reporting as a Pathway to Build Credit
In the first randomized study of rent reporting—the inclusion of housing rental payments in credit data—we show that this practice can help people get a credit score for the first time or improve thei...
https://www.urban.org/research/publication/evaluating-rent-reporting-pathway-build-credit
6 months ago
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reposted by
Janneke Ratcliffe
Yonah Freemark
6 months ago
Trump Admin's proposed HUD budget would cut the agency's budget authority by $45 b. It would cut staff by 26%, killing 2300 jobs. HUD proposes eliminating most of its programs—vouchers, public housing, CDBG, etc—& replacing them with a single, smaller state block grant.
www.hud.gov/sites/dfiles...
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The Trump administration wants federal departments to lower the cost of housing and expand housing supply. Proposed cuts to the
#FHA
would affect all parts of the country, some more than others:
www.urban.org/urban-wire/c...
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Cuts to the FHA Will Hurt Households and Local Economies across the Country
Layoffs at the Federal Housing Administration will diminish the agency’s capacity to support affordable homeownership, especially in low-income, affordable, suburban, and rural communities.
https://www.urban.org/urban-wire/cuts-fha-will-hurt-households-and-local-economies-across-country
6 months ago
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As we close out AANHPI month, see Urban scholars' eye opening snapshot of the financial status and contributions of Asian Americans
lnkd.in/eA9eyhUj
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New data tool reveals Asian American wealth and debt | Urban Institute posted on the topic | LinkedIn
Research findings reveal that while Asian Americans hold the greatest amount of #wealth, they also have higher amounts of #debt relative to their income compared to other racial and ethnic groups, whi...
https://lnkd.in/eA9eyhUj
6 months ago
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A recent Urban Institute analysis finds younger, lower-income households are much less likely to buy a home than previous generations; while another analysis looks at how the housing market is failing older adult leaving many at risk of homeless at the most vulnerable time in their lives.
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Homeownership Has Fallen Further Out of Reach for Younger Families with the Lowest Incomes
The homeownership rate gap between 35-to-44-year-olds at the highest and the lowest income levels has grown considerably since 1980.
https://www.urban.org/urban-wire/homeownership-has-fallen-further-out-reach-younger-families-lowest-incomes
6 months ago
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Growing Divergence in Single- and Multifamily Rental Prices | Janneke Ratcliffe
See why single-family rental rates are going up faster than multifamily rents, and what can be done about it. Hint: It's Econ 101 - the demand for single family homes continues to outstrip the sup...
https://www.linkedin.com/posts/jannekehratcliffe_growing-divergence-in-single-and-multifamily-activity-7323802330867380225-sQQw?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAKagZABvPTbSSH9_HFvimN1La-LrjVRC_c
6 months ago
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How Can the Tax Code Make Housing More Affordable? | Janneke Ratcliffe
Here, in a new Urban Institute piece, Aniket Mehrotra and Gabriella Garriga explain the long-standing relationship between the tax code and housing, and how, in the current tax reform debate, incentiv...
https://www.linkedin.com/posts/jannekehratcliffe_how-can-the-tax-code-make-housing-more-affordable-activity-7320893335626305538-w7uw?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAKagZABvPTbSSH9_HFvimN1La-LrjVRC_c
6 months ago
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Fannie Mae and Freddie Mac, collectively known as the government-sponsored enterprises (GSEs), have been in conservatorship since 2008. In this presentation, Urban Institute's Housing Finance Policy Center Institute Fellow Laurie Goodman reviews the history of the GSEs’ time in conservatorship.
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Assessing the Potential for Administrative GSE Recapitalization and Release
YouTube video by Urban Institute
https://www.youtube.com/watch?v=q4qeGhk1Ypw
7 months ago
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Excited to share the release of our evaluation of NeighborWorks America’s Housing Stability Counseling Program. This report examines the role that the program played during the COVID-19 pandemic to rapidly deliver crisis-level services to renters and homeowners across the United States.
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Housing Counseling for Homeowners and Renters in Crisis: Lessons from the Housing Stability Counseling Program
During the COVID-19 pandemic, owners and renters were at risk of losing their homes through mortgage delinquency or nonpayment of rent. This report focuses on a federal intervention designed to suppor...
https://www.urban.org/research/publication/housing-counseling-homeowners-and-renters-crisis-lessons-housing-stability
8 months ago
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Today we will be hosting our third seminar on GSE reform. There has been lots of great discussion in our previous webinars so we hope you can join us from 1:00-2:00 p.m. EDT to get in on the action and become a part of the conversation.
www.urban.org/events/recap...
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Recapitalizing the GSEs through Administrative Action: Former CEOs Explore Conservatorship Release
Fannie Mae and Freddie Mac, the government-sponsored enterprises (GSEs) that play a major role in the US housing finance system, have been in conservatorship since 2008.
https://www.urban.org/events/recapitalizing-gses-through-administrative-action-former-ceos-explore-conservatorship
9 months ago
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Our nation's supply of
#affordablehousing
is under threat from wildfires, hurricanes, and flooding, and the rising cost of
#homeenergy
. The
@urbaninstitute.bsky.social
's latest case study shows how
#CDFIs
and
#greenbanks
can support developers in this space:
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Developing a Climate-Resilient and Green Affordable Housing Supply through Flexible Loans
In this brief, we highlight learnings from the Solar and Energy Loan Fund’s (SELF) SAGE Homes program, which shows how CDFIs and green banks can support developers with flexible financing and mentorsh...
https://www.urban.org/research/publication/developing-climate-resilient-and-green-affordable-housing-supply-through-flexible-loans
9 months ago
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reposted by
Janneke Ratcliffe
Urban Institute
9 months ago
How has conservatorship changed the GSEs and what are the potential impacts of recapitalization? Join Urban on 3/18 @ 1:00 p.m. ET for a virtual
#discussion
with former GSE CEOs on the possible effects of releasing the
#GSEs
from conservatorship.
#LiveatUrban
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Recapitalizing the GSEs through Administrative Action: Former CEOs Explore Conservatorship Release
Fannie Mae and Freddie Mac, the government-sponsored enterprises (GSEs) that play a major role in the US housing finance system, have been in conservatorship since 2008.
https://www.urban.org/events/recapitalizing-gses-through-administrative-action-former-ceos-explore-conservatorship?utm_source=urban_social&utm_medium={SOCIAL_NETWORK}&utm_campaign=gses_ceo_event&utm_term=marketing_event&utm_content=housing
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Great data from Urban's housing team showing where HUD programs serve people, by state and district!
www.linkedin.com/posts/yfreem...
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Yonah Freemark on LinkedIn: HUD Supports Affordable Housing Nationwide. Layoffs and Budget Cuts Will…
The US Department of Housing and Urban Development plays an essential role in supporting renters with low and moderate incomes throughout the country. The 10…
https://www.linkedin.com/posts/yfreemark_hud-supports-affordable-housing-nationwide-activity-7298749656736382976-zTGm?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAKagZABvPTbSSH9_HFvimN1La-LrjVRC_c
9 months ago
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Curious what's happening with the
#housingmarket
? You can check all the latest stats and trends in Urban's monthly at-a-glance
#housingfinance
chartbook:
www.urban.org/research/pub...
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Housing Finance: At A Glance Monthly Chartbook, February 2025
The February 2025 edition of Housing Finance At A Glance includes a special data feature with Q3 2024 loan level GSE credit data, including origination compositions, default rates, purchase rates and ...
https://www.urban.org/research/publication/housing-finance-glance-monthly-chartbook-february-2025
9 months ago
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