The Research Institute for Housing America (RIHA) is dedicated to providing resource information on mortgage markets to potential homeowners. Its main objective is to offer insights into the functioning, structure, and future of mortgage markets. RIHA also focuses on expanding rental opportunities and home ownership among the underserved, as well as encouraging equal credit access to mortgage credit for all qualified borrowers. The institute is governed by a Board of Trustees and advises an Industry Advisory Board. RIHA’s chief purpose is to encourage and assist the establishment of a broader-based knowledge of mortgage banking and real estate finance.
Papers
Stabilizing Vulnerable Homeowners in a Time of Crisis: Insights from the Homeowner Assistance Fund
This paper examines the impact of the Homeowner Assistance Fund in helping financially vulnerable homeowners remain stably housed during periods of economic stress. It highlights program outcomes, implementation challenges, and lessons for future crisis-response housing policies.
Mortgage Design, Underwriting, and Interventions: Promoting Sustainable Homeownership
This research explores how mortgage product design and underwriting practices can better support long-term, sustainable homeownership. It also evaluates targeted interventions that aim to reduce default risk and improve borrower outcomes.
The Distribution of Wealth in America Since 2016
This study analyzes changes in wealth distribution across U.S. households since 2016, with attention to disparities by income, race, and age. It provides context for understanding broader economic inequality trends and housing market implications.
The Affordability of Owner-Occupied Housing in the United States: Economic Perspectives
This paper assesses trends in housing affordability for owner-occupied homes across the United States. It examines key economic drivers such as income growth, housing prices, and mortgage access that influence affordability over time.
Source: Mortgage Bankers Association — Research Institute for Housing America.