The Decision to Own: Smart Leverage or Unnecessary Risk? Image of a - - PowerPoint PPT Presentation

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The Decision to Own: Smart Leverage or Unnecessary Risk? Image of a - - PowerPoint PPT Presentation

Mar 04, 2024 364 likes •490 views

The Decision to Own: Smart Leverage or Unnecessary Risk? Image of a house-shaped padlock and two keys on a ring. Disclaimer The opinions expressed are those of the author and do not reflect the opinion of the Patricia Roberts Harris National

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SLIDE 1

The Decision to Own:

Smart Leverage or Unnecessary Risk?

Image of a house-shaped padlock and two keys on a ring.

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SLIDE 2

Disclaimer

The opinions expressed are those of the author and do not reflect the opinion of the Patricia Roberts Harris National Fair Housing Training Academy, U S Department of Housing and Urban ^ » Development, or the Graduate School USA

A

M.

Image of a house-shaped padlock with two keys on a ring.

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SLIDE 3

My Role on this Panel

Image of a yellow canary wearing glasses mining in a mine with a small pick and helmet light.

Canary in the Coal Mine

http://www.andygonsalves.com/design/color_design/threadless/canaryinthecoalmine.html

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SLIDE 4

A small yellow canary in a guilded cage wearing a small gas mask.

http://farm4.static.flickr.com/3156/3946174063_940 6dea031_z.jpg

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SLIDE 5

The "American Dream"

The American Dream is that dream of a land in which life should be better and richer and fuller for everyone, with

  • pportunity for each according to ability
  • r achievement."

James Truslow Adams "The Epic of America."

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SLIDE 6

Benefits to Broader Society Social Cohesion

Social Inclusion in our Civil Society Shared Values Stability Predictability Trust

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SLIDE 7
  • mmuniTies

and Neiahborhoods Homeowners bring stability to neighborhoods Homeownership improves the "Quality of life" Homeowners are more engaged in local civic affairs

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SLIDE 8

Benefits to Homeowners

Financial Stability Social Capital Social Mobility Trans-generational benefits

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SLIDE 9

Benefits to Investors

Long-Term ROI Hedge against uncertainty

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SLIDE 10

Image of five verticle unlocked house-shaped padlocks with two keys on a ring representing the five keys to unlocking housing's future.

The current crisis on opportunity for positive systemic chonge in a properly regulated market homeownership does not pose an unnecessary risk to households

  • r investors

All fomilies including low-income

  • nd

low-osset fomilies benefit from homeownership Sustainable homeownership is a leveraged path to inancial stability, and social mobility

  • .ffective enforcement of laws and regulations

:oupled with the underwriting of safe, sustainable and affordable loans limits systemic risk

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SLIDE 11

Going Forward Together

W

wk

Image of 3 yellow canaries side-by-side on the same tree limb.

http://virtual.auburnworks.org/profiles/blogs/canar y-in-a-coal-mine

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SLIDE 12

Questions

Stella J. Adams 202 314-3512 sadams@nfhta.org