ABSTRACT
This chapter discusses two dominant themes in housing policy today: homeownership and income integration. It examines how all levels of government have promoted homeownership and the integration of low-income and more affluent households within the same communities and housing developments. The section on homeownership summarizes the variety of ways by which government has sought to increase homeownership among low-income and minority households, including down-payment assistance, soft second mortgages, and regulatory measures affecting the secondary and primary mortgage markets. It also reflects on the lessons posed by the mortgage crisis for the pursuit of homeownership in the future. The section on income integration discusses a variety of programs aimed at moving public housing residents and other low-income households into middle-income neighborhoods and creating mixed-income housing developments.
