Shared Equity: A required intervention for home affordability

Maleesa Smith
Feb 15, 2023

Over the past few years, an inventory shortage, coupled with high housing demand, has fueled rising home prices.

For a short time, the silver lining was record-breaking low mortgage rates. That silver lining has tarnished, as moves from the Federal Reserve sent rates soaring into the 7s. While rates are starting to come back down, it’s highly unlikely that we’ll see a 4- handle anytime soon and even if we did, the difficulties of financing the purchase of sky-high-priced homes persist.

That’s a longwinded way to arrive at this assertion: America is facing a housing affordability crisis. And it needs a real solution now.

Thankfully, necessity is the mother of invention, and that is seen across the industry as shared equity housing models enter the scene. This white paper will explore shared equity models, how they work, how not all are created equal and the problem they’re solving for.

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