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Homeownership and America's Financial Underclass
Flawed Premises, Broken Promises, New Prescriptions
Argues US leaders should re-evaluate housing policies and develop new ones that ensure Americans have access to affordable housing, whether rented or owned.
Mechele Dickerson (Author)
9781107038684, Cambridge University Press
Hardback, published 30 June 2014
284 pages, 22 b/w illus.
23.5 x 15.6 x 2.2 cm, 0.59 kg
'A bold, clear-eyed, and refreshingly blunt appraisal of the problems with the homeownership proposition for struggling middle-class and poorer workers. Mechele Dickerson's book is a must-read for anyone in housing policy.' Patricia A. McCoy, Liberty Mutual Professor of Law, Boston College Law School
Why does America have a love affair with homeownership? For many, buying a home is no longer in their best interest and may harm their children's educational opportunities. This book argues that US leaders need to re-evaluate housing policies and develop new ones that ensure that all Americans have access to affordable housing, whether rented or owned. After describing common myths, the book shows why the circumstances now faced by America's financial underclass make it impossible for them to benefit from homeownership because they cannot afford to buy homes. It then exposes the risks of 'home buying while brown or black,' discussing US policies that made it easier for whites to buy homes, but harder and more costly for blacks and Latinos to do so. The book argues that remaining racial discrimination and certain demographic features continue to make it harder for blacks and Latinos to receive homeownership's promised benefits.
1. Chasing the American dream
2. The happy homeownership narrative
3. US support for homeowners
4. The homeownership crisis
5. Homeowner harm and the blame game
6. Flawed premises
7. The burden of home buying while black or Latino
8. The benefits of home buying while black or Latino
9. Homeownership: demographic disparities
10. Outlook and prescription for the future.
