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 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

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 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.
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
A small yellow canary in a guilded cage wearing a small gas mask. http://farm4.static.flickr.com/3156/3946174063_940 6dea031_z.jpg
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 opportunity for each according to ability or achievement." James Truslow Adams "The Epic of America."
Benefits to Broader Society Social Cohesion Social Inclusion in our Civil Society Shared Values Stability Predictability Trust
ommuniTies and Neiahborhoods Homeowners bring stability to neighborhoods Homeownership improves the "Quality of life" Homeowners are more engaged in local civic affairs
Benefits to Homeowners Financial Stability Social Capital Social Mobility Trans-generational benefits
Benefits to Investors Long-Term ROI Hedge against uncertainty
Image of five verticle unlocked The current crisis on opportunity for positive systemic house-shaped padlocks with two keys on a ring representing chonge the five keys to unlocking housing's future. in a properly regulated market homeownership does not pose an unnecessary risk to households or investors All fomilies including low-income ond 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
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
Stella J. Adams 202 314-3512 sadams@nfhta.org Questions

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