Janneke Ratcliffe
@JRatcliffeHFPC
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Vice President, Housing Finance Policy Center @UrbanInstitute
Washington, DC
Joined January 2022
Another great read! Here, Alanna McCargo highlights what Houston's experience can show us about the downstream effects of storms on #housing #affordability.
urban.org
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…
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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:
urban.org
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…
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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. https://t.co/EHVbTsrScS
#LiveatUrban
urban.org
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 …
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#Homeownership is a key source of household #wealth, but many experience significant hurdles when passing assets down to future generations. Join us 9/25 as we look at new approaches and opportunities to combat these modern challenges.
urban.org
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 …
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Following the termination of the VA’s #Veterans Affairs Servicing Purchase program, a new law now gives the VA options more in line with the FHA & GSEs to help struggling #homeowners avoid foreclosure. Learn more in a new Urban Wire post.
urban.org
Federal policymakers can take steps to ensure a strong program rollout, but legislative fixes and clear guidance from the VA are needed to increase the progr…
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I recently had the good fortune to address the Council of State Governments Midwest Legislative Conference in Saskatoon, where we compared housing challenges and shared solutions in Canada and the US. See what states are doing to expand housing supply.
urban.org
In this report, we document the results of a process study and quantitative analysis of state housing and land-use preemption legislation nationwide.
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We had a full house and reached over 400 people online during last week's credit scoring event. Cannot thank all of our fantastic speakers and attendees for making this a great event! In case you missed it, you can watch the full recording here: https://t.co/tg7LYbA6qV
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Ten years down, many more to look forward to. Here's to continuing the work! I am beyond grateful for the good fortune to work with the dedicated fact-finders who help to make the Housing Finance Policy Center this center what it is today. https://t.co/oWfAjT7BmA
linkedin.com
It has been more than TEN years since the Housing Finance Policy Center starting helping to shape the housing finance conversation and what a whirlwind it is to look back at it all. I am beyond...
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Have any plans tomorrow afternoon? If not there is still time to register for our event and networking reception! Join us as we discuss the past, present, and future of #creditscores in #housingfinance
https://t.co/tg7LYbzyBn
urban.org
Credit scores are a foundational component of the US housing finance system and a key indicator of a homebuyer’s ability to access homeownership’s wealth-bui…
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Enjoy seeing my posts? You can see more from me on Bluesky:
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Join Urban, @Socalgrantmaker, & Philanthropy California on 2/7 @ 2 p.m. ET for a virtual event moderated by Urban’s @AndrewRumbach on cross-sector partnerships for recovery that will highlight #community & funder responses to #fire disasters. https://t.co/HCnrNN7yZt
#LiveatUrban
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ICYMI: @urbaninstitute hosted an event on #manufacturedhousing and how new homes can affordably integrate strategies for #climateresilience and #diasterpreparedness, with Urban's @swartell giving opening remarks and @AndrewRumbach presenting:
urban.org
Join the Urban Institute and leaders from the manufactured housing sector to learn about innovations, opportunities, and barriers at the federal, state, and …
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What an enlightening day! I cannot thank @WeAreUnidosUS enough for working with us to put this program together, and the more than 400 people who attended throughout the day. Excited to see how today's conversations on #Latino #homeownership impact the solutions of tomorrow.
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Don't forget to mark your calendars and join us in-person or virtually for an exciting day of research backed discussions on increasing #Latino homeownership tomorrow!
There’s still time to register! Join Urban and UnidosUS on 1/30 @ 11 a.m. ET for a hybrid symposium on #research, insights, and solutions for increasing #Latino homeownership. Register now for this important conversation. https://t.co/pWfhv18XMN
#LiveatUrban
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The #LosAngelesFires are also fueling the city's long-standing #housingaffordability and #homelessness crises. @urbaninstitute's @thesamantha and @sara_mct explore this topic, and what we can learn before the next disaster:
urban.org
The devastating effects of the fires in Los Angeles pose larger health risks to people experiencing unsheltered homelessness and could put more people at ris…
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Will the #federal government's implicit guarantee of Fannie & Freddie continue if they are released? Or will the #GSEs have to manage their own risk, driving uncertainty in the MBS market? Jim Parrott & Mark Zandi explore these questions in a new brief.
urban.org
In this brief, the authors discuss the challenge the Trump administration will face in defining the government’s support of Fannie Mae and Freddie Mac if the…
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From everyone at @urbaninstitute's Housing and Communities division, we wish you the happiest of holidays and a great start to the new year! We look forward to working with you as we work toward a strong future for #housingfinance and #homeownership:
urban.org
Through this initiative, the Housing Finance Policy Center will provide data-driven evidence and solutions to tackle the housing finance system's biggest cha…
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The #eviction rate is now 50% higher than pre-pandemic, and states are taking action with new regulations to protect #renters. What will this mean for smaller landlords? @urbaninstitute partnered with Avail, a @realtordotcom platform, to learn more:
urban.org
Many cities and state policymakers across the nation are passing legislation to protect tenants. As they’re enacted, understanding how effectively they help …
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#Housingpolicy was a key issue this #election cycle, with both presidential candidates campaigning on the issue and more than a dozen down-ballot initiatives. Now the votes are in, find out what we learned with @urbaninstitute's Research to Action lab:
urban.org
Housing policy was at the forefront of this year’s election, with both presidential candidates campaigning on plans to address record-high cost burdens and s…
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A recent @UrbanInstitute #blog by @MortgageLaurie and Alexi Alexandrov highlights potential areas of #reform within the current #homeinsurance system in the face of climate change, particularly for #mortgages backed by @FannieMae and @FreddieMac:
urban.org
Current home insurance system requirements create distorted incentives, leaving some households overinsured and other households without enough coverage in t…
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