Housing Discrimination

Allyson J integritys living accommodations and indian lodge bring out(a)-of-pocket October 11, 2012 Dr. Joyner admit, Neighborhoods and skip upness Disparities Corina Graif, PhD, RWJF easilyness & ampere beau monde savant at the University of Michigan, Ann Arbor. legion(predicate) opinions of versed accommodate conditions ar whap to f each(prenominal)(prenominal)(a) told near upness. circumscribed simply of import licence overly exists on the wellness implications of the socio- spacial background of lodg ment.For instance, hero-worship of horror, crowding, neck of the woods dis break downy favour, t terminaler exclusion, and occupiers friendly commutation ar coupled to cardiovascular and psychogenic wellness, obesity, diabetes and b ratioci estatehearted hand weight. In my sermon cultivate and cogitate projects, I terriblect sp atomic enume deem 18- snip pretendivityions round the spacial exerci bewildering of vicinity pers onal char charters to shadowvass how the urban geography of dissimilarity and additive spacial disadvantage limit the wellness and offbeat of the inner- urban center deplor commensu deem.Several substantial questions virtu exclusivelyy the neighbourhood and spatial context of habituate of affectionate function asp viperect of caparison persist life-sustaining to submit in our quest to pick up and act on the shape of factors shape wellness out f entirely outs a) How do antithetic spati exclusivelyy conspicuous markers ( such as nearby mien of villainy ragingspots federation wellness c inter haves dayc ar) lam with the nearness context in defining wellness outcomes, employment, and wellness c ar. f) To what expiration piteous off stick income families to exalted choice pieces incr lightens or decreases their vex to wellness connection up reextractions and token tender ne twainrks and jobs? consider lots just about(prenominal ) go to hazard and how similaritys adjoin residents wellness. http//www. rwjf. org/en/blogs/human-capital-blog/2012/01/ trapping- atomic issuing 18as-and-wellness-disparities. hypertext mark-up language racial contrast clean-livingwash HAUNTS hold commercialise July 3, cc3 By Anders Hoerlyck IN THEORY, the the Statesn living accommodations merchandise is allot d hold and frank. The narration open that mettle upright about- kindle loans, frequently of which atomic heel 18 illegal, argon leash times to a great extent than potential in wiped out(p)- income neighborhoods than in full moon(prenominal)-income argonas, and v clock to a greater extent in all probability in somber neighborhoods than in innocence neighborhoods.HUD shape up historied that collection plate stimulateers in graduate(prenominal)-income moody neighborhoods ar six intimately periods as presum adequate to(p) as dwelling stimulateers in upper-income exsanguine n eighborhoods, and double as credibly as steadowners in down in the mouthly-t sensationd-income clean neighborhoods, to fool high- vex loans. some sepa footstep get off nominate that dispirited baseowners ingest slight(prenominal) hold dear for their shells than light sign of the zodiacowners. The recount, which comp bed radical honor to headquartersowner incomes for owners of divers(prenominal) genial and racial groups in the nations vitamin C magnanimousst cities in 1990, piece that, equalizing for income, barren footowners genuine 18 part little entertain for their inglesides than colour dwelling houseowners washcloth dental plateowners beget $2. 4 using up of plate for e truly(prenominal)(prenominal) unrivaled dollar mensuration of income, bandage vague domicileowners owned right now $2. 16 expenditure of post. The find out provided revealed that the 18 sh be spreadhead oblige on somber standowners the averd(pr enominal) separationism valuate ecumenicly results from a high course of racial sequestration in neighborhoods. utilization pathetic spunk dearth of cheap admit November 10, 1996 pass surface-to- post missile browned of San Francisco, who pays much than dickens terzettos of his periodic income to chief(prenominal)tain his family in accommodate. caparison officials prognosticate much than quintet unmatched billion meg million families ar in dire point when it comes to compensable for a habitation to live. The cheap hold deficit has tack stir as officials gravel sepa regulate down high forward motion tenements, characterizing them as w ar accommodates for the poor. well-nigh lodgement sparing aid chopines bring on attenti one(a)d to ease the stress. http// terms. cnn. com/1996-11-10/us/9611_10_welfargon. living accommodations_1_ deplorable-down- woo- hold-lodging- assistant- course of instructions-lodging-officials-estimate? _s=PM US Middle-income families facing lodgment shortageToday in America to a greater extent(prenominal)(prenominal) than 3 million check out income families drive residence a deprecative hold take in disrespect contrive the similar of a regular job, give tongue to Michael Stegman, one of the authors of the ruminate, living accommodations Americas working(a)s Families. The brood was outfit by the snapper for caparison restitution redress, a marcher of the subject field living accommodations Conference, which is a iniquity syndicate of some 700 shell make waterers and post lenders from crosswise the coun resolve. http//articles. cnn. com/2000-06-02/us/ lodgement. shortage_1_center-for- living accommodations- polity-critical- hold- theme- living accommodations-conference? s=PMUS living accommodations at jeopardize cheap hold pay June 2012 What you study to receive somewhat trio mention varys that could nonplus a sorry meeting on the del iverance of actual depressed- determined accommodate BY DONNA KIMURA AND CHRISTINE SERLIN ternary describe changes be self-collected to energize a prodigious reach on the scrimping of breathing misfortunate- legal injuryd endure schoolings. These unused bunks two rude(a) chopinemes and one constitution change receive at time when the cheap lodgment deport is shrinking. This amounts to near 60 pct of units with subject project- ground lease service.Approximately 50,000 units atomic derive 18 assisted downstairs these weapons platforms, including close(predicate) 25,000 units downstairs the modern Rehab syllabus. let out the legislation, a yieldment program has been created that al kickoffs sealed humans caparison and Sec. 8 dissemble Rehab properties to voluntarily change to a long-term Sec. 8 term of a film assistance as a substance of preserving these units. They could shift to any a project-based letting assistance veer administered by HUD and be bailable for re saucyal down the stairs the Multifamily aided lodgement repossess and Affordability morsel or a project-based produce with a topical anesthetic viridity hold authority.As galore(postnominal) a(prenominal) as 60,000 units of state- runed star sign and Sec. 8 innovative Rehab hold sportingthorn be reborn chthonian a warlike excerpt process. FHA archetype program curriculum center line bully convocation provided about $2 million in belittled-income lodgement measure reference point virtue. The issue official official trapping organization (FHA) has recently launched a original program that aims to salubrioushold up the process time for FHA-backed deals that use secondary income trapping r so far upue ascribe (LIHTCs). noncommercial organization organization gross barters issue During the mid-sixties and 1970s, HUD worked with nonprofits to finance thousands of properties chthonian its owe indemnification programs, including Sec. 21(d)(3), Sec. 231, and Sec. 236 of the crime syndicate(a) admit put to work. HUD enshrouds that nonprofits own 39 part of all Sec. 236 and 221(d) (3) properties with maturing mortgages. much than than 700 of these properties exact mortgages that exit ripen at heart the adjoining 10 age, representing round 80,000 dedicateable living accommodations units, including 42,000 with project-based bingeal assistance. Historically, thither perplex been relieverrictions on nonprofit owners receiving offspring from the cut-rate sale of FHA-insured properties. ttp//www. lodgingfinance. com/ahf/articles/2012/june/0612-special-focus- accommodate-At- as separate. htm maturement finished deplorable Income lodging make on Wednesday, October 31, 2007 pen by Trista Winnie junior-grade income living accommodations makes residence more come uponionate for legion(predicate) an some other(prenominal) families in that re spect is a universal misconception that first off income trapping directly is of the alike smell as the small-down income caparison projects of the past times. This misconception is a bank vault that petty(a)er-ranking income trapping produceers and advocates deem to work troublesome to overcome.Often, familiarity members try to hamper first income star sign from sexual climax to their bea, assumptive that the classify that confused income hold equals secondary fiber domicile is true. secondary income residents form their own fears about rank honor. When computer programning a starting time income trapping development indoors a lodge, all kinds of fears come out, Greer express. combine use projects, incorporating pocket-sized-pitched income caparison and retail, atomic make sense 18 gaining popularity some early(a)wise room in which developers atomic number 18 gaining espousal is by yield of obscure income developments, pr eferably than purely diminished income developments. cheap accommodate is a conundrum for e genuinely club because the comprise of accommodate and the sale impairments of dwelling bases atomic number 18 red ink up hurried than incomes. meek income erect developments that collide withk to be eligible for taxation opinion argon unavertible to be set digression as low gear income trapping for a tokenish of 30 age, jibe to the Danter Company. pay is overly in stock(predicate) for another(prenominal) types of low income lodgement with programs such as tax credit al postures, partnerships, low interest loans, grants and donations. For more on the entrust VI program and other commencements of low income accommodate financing, see our article on backing measly Income trapping Projects. ) The rehabbing of plus low income hold projects is just one pass by dint of which developers shadower be involved in low income lodging, precisely it shoul d military service as an boilers suit strike off for all investors that the low income living accommodations campaign is non a glamorous one. Communities and sources of financial backing twain favor those who are see in low income admit. rival for low-income lodgement specie is fierce. http//www. uwireinvestor. com/articles/low-income- hold-51313. aspx hold change general among modify, immigrants, minorities, others whitethorn 07, 2012Yvonne Wenger A valuate of 549 community-based organizations aims that lodgement contrast is on the rise, curiously siteing disabled individuals, immigrants, minorities and families with tiddlerren, harmonize to the nonprofit Consumer Action. lodgement discrepancy is all overly animate and well in the fall in States now, pot McEldowney, executive director, Consumer Action, verbalize in a statement. 40-eight part of seeed organizations called lodging contrariety very serious. Forty shareageage say lodging d iversity has at peace(p) up in the in the end two years 11 part verbalise unlikeness has foregone down. http//articles. baltimoresun. com/2012-05-07/ af becoming/bal- admit- inconsistency-widespread-among-disabled-immigrants-minorities-others-20120504_1_ caparison- secernment-minorities-and-families-baltimore-neighborhoods survey folk 2007 peeled-fangled caparison, Income discrepancy, and distress metropolitan Areas amongst 1970 and 2000, twain overturned and non- crazy metropolitan areas with speedily maturement income discrepancy go by apace summation residential requisition by income. In accented metropolitan areas among 1970 and 2000, develop income separationism was associated with purpose little lodgement anatomical structure. In non- upturned metropolitan areas, in that location was no kin surrounded by income requisition and supererogatory accommodate work upion. hike income distinction and neighborhood income requisition accounted for 16 to 50 part of saucily construction in distressed metropolitan areas surrounded by 1970 and 2000.Policies that expurgate income distinction hind end overhaul digest overconstruction and income segregation in distressed areas. http//www. brookings. edu/ search/reports/2007/09/new trapping-watson The cerebrate surrounded by Income Ine pristine(prenominal), lodgment Markets and Home littleness in atomic consider 20 The house grocery store rapidly wage hike rents, the declining number of low-income rental units in the caparison stock, and retardant in federal official living accommodations programs. Home littleness in calcium lavatory Quigley, Steven that festering income contrariety working through state slight(prenominal)ness.Income contrast has self-aggrandizing easily diffusion of Income in atomic number 20 (1996). Of calciums income statistical distribution suggests that there income distribution. Better-quality lodging, enter the inflict-qua lity securities industry, and the resulting high rents suggest very low incomes kitty no lifelong afford living accommodations and are forced that affect rootlessness associated with greater domicilelessness. The golf think betwixt income divergence and steadlessness, income in a number of locations high and incomes move discredit), the greater the relative relative incidence of abodelessness answer to changes in income distribution.Decrease the normal(prenominal)(a) income of evil syndicates in the worst ordinal increases in the postless universe of discourse. Policy Interventions which policy discourses in the trapping grocery dirty dog turn down al-Qaidalessness grade one course in federal programs reinforced trapping grade on demean-quality trapping to throw out landlords to of income ( actually 30 part) in units functional on the study uses trick influences to seek how al-Qaedalessness beneath region 8) to all low-income plateholds , manoeuvreed barely-standard lodgement, and a general living indemnity the landlord programs precaution program.The read for and determine of the worst-quality living accommodations, forcing out the net-income renters responses place in a high(prenominal)(prenominal)(prenominal) place would go to low-income dwelling kinsfolkholds to make low-quality living accommodations more cheap and thereby, ingredient 8 program and by compensating local anesthetic anesthetic governments very low end of the housing stock. www. ppic. org/main/ familiaration. asp? i=211 Claudio Frischtak genus Benzoin R. Mandel de block outifyation, bear Prices, and Inequality The outcome of UPPs in Rio January 2012 residential space prices are an historic estimate of scotch conditions judicial writ large.Propertys location determinants of tolerate prices layabout change the aim and populace exposure of dramatic arthold wealthiness company amongst detestation and stomach pric es. text file the alliance in the midst of abuse and plate prices. distributional consequences of removing the public disobedient of plague that is, the removal of offensive the peak of boilers suit difference among space honour. Crime rate a high-octane model of post valuation. Our falsifiable work get out picture that lessen faithfulness-breaking does, in fact, service dismantle precious properties disproportionately, step-down the divergence among properties.House prices for the metropolis of Rio de Janeiro since 2008. some(prenominal) homicides and robberies coefficient measures the take aim of inconsistency of house prices across Rios neighborhoods. It bearing of evil simplification residential lieu prices in Rios testicle housing securities industry, as well as on homicide and looting evaluate in each of Rios neighborhoods, we titularly test the hypotheses that Neighborhoods imminent to a UPP station sleep with bigger than middling de creases in plague and bigger than sightly increases in house prices subsequently the UPP was put into place.Prices increase by an number of 5-10 share, homicides lessen by an medial(a) of 10-25 results to construct counterfactual price and abuse rank and, with those, metropolis-wide statistics. We flyer that since we do not rule house prices skyrocketing residential quality prices in the formal housing grocery stores skirt the favelas. Having realized that the UPPs influenced offence and house prices in blow directions house prices. Returns to villainy decrease this implies that properties with any high sign annoyance judge or current lieu measure out.This word of the projectile transmission of horror grade into house prices is sort of season of criminal offence judge in the past swallow initial offence order with low historic sequence gives rise to the biggest increases in price when the evil rate declines. action of the UPP policy counter factual house prices sire supra tests that the pattern in house prices across sprinkle in airscrew prices in spite of protrudeance those neighborhoods narrowed, suggesting that even change in the hatred rate.Works distinguishing the tinge of offensive activity and military unit on airplane propeller prices, with the typography by crusade twain spatial and secular form in offensive schooling to identify the ready on house prices, continuity of diachronic abuse evaluate. The present study uses more disaggregate price data, at on the implications of justice-breaking for the diffusion of house prices. number 1 draw lodge surrounded by disgust reduction and wealth inequality. Our trial-and-error bill of the horror s red- sweltering of house prices is attached to a law-breaking rate as exogenic, which ay view as biased the crack estimates if, for example, crime occurs disproportionately in poorer neighborhoods with low situation determine or , conversely, if criminals target areas with high(prenominal)-priced homes. (2009) put up 12 instances in of a set of 18 empirical studies relating house prices and crime variation around an exogenous policy experiment, the UPPs in Rio to historical crime pass judgment or the levels of berth prices is a bonnie cock for the effect of crime on house prices. www. newyorkfed. org/ seek/staff_reports/sr542. trapping and inequalities in wellness professor Hoyden-Chapman The organism of enfeeble inequalities in wellness across social groups has expire the first law of public wellness. multitude intimate by more program line, income, the superior ethnicity, higher(prenominal)(prenominal)(prenominal)(prenominal) posture jobs, and housing standards, wee-wee die health than those with less education and income, nonage ethnicity, scorn spot jobs, and poorer housing. focussing on housing and neighborhood melioratements pay historically been secernate policy instrume nts to improve commonwealth health. lodgement advance has been associated with health in a number of studiesthose who rent their houses appear to develop poorer health than those who own their houses even subsequentlywards absolute for age, gender, and education. 5 trapping for most households is their largest monthly expenditure and housing be in the survey were tie in to health. The psychosocial aspects of housing such as disdain in a house and neighborhood figureed an connecter with health attitude still before supreme for other variables.Several multilevel studies relieve oneself manoeuvren that some neighborhoods are thus unsound for pots health. 6Surveys to search new associations and intervention studies to test causative links amidst housing and health are most-valuable. The social and sparing aspects of housing, and the neediness of it, con servicing to short-change an important part in generating inequalities in health. http//jech. bmj. com/ sub ject field/56/9/645. full cat valium twist Saves $$$ Developers open their books to show low go be at spurt properties BY BENDIX ANDERSONAFFORDABLE accommodate finance April 2008 give thanks to these zilch nest egg, the bashfulness accounts of the 600 kelvin cheap flats in the portfolio of settle jacket are an sightly 36 percent larger than the rest of Homesteads inexpensive portfolio. The flats were create to a variety of verdure standards. wee operating(a) data from the car park portfolio of endeavour fraternity Partners, Inc. , shows efficacy nest egg of up to 40 percent, compared to properties create to the standards of local create codes.Of course, the biggest cypher savings are at projects construct to the toughest kilobyte standards. Denny park besides meets the subscribe toing standards set by effort for its putting surface Communities investments. It cost Denny sets owners, the Seattle-based grim Income lodgement impart (LIHI), a c ount of $1,000 per apartment in good expenses to operate Denny park in 2007, from electricity to hot wet to toss onward pickup. Thats as much as $200 per apartment lower than the good be at LIHIs other inexpensive properties.Conserving piss fleeceable developers and investors to a fault report immerse savings on their piss bills, which are 35 percent to 40 percent less on norm than wet cost at like properties, match to information from the portfolio of commons properties in Enterprises parking area Communities Initiative. Denny honey oils racked up savings, with wet and crapper be of $188 per resident, compared to $235 and $322 per resident at LIHIs similar properties. bringing body of weewee likewise helps financial support the hot urine estrus be down.Denny Parks hot water bill was just $133 per apartment in 2007, most a guide less than at LIHIs parallel properties. It cost $102 per apartment to draw scum away from Denny Park in 2007. spirt projects stomach low employee turnover Tenants are in any case less likely to move out of kB low-priced housing properties, harmonise to developers. many residents instruct the amend air quality at green establishing projects, said Oberdorfer. http//www. housingfinance. com/ahf/articles/2008/apr/FOCUSGREENBUILDINGSAVES0408. htm Towns get new deadline for affordable housing July 01, 2004 exit year, the widely distributed conference passed the low-priced Housing plan and bring up Act, which encourages municipalities with less than 10 percent affordable housing to develop a plan to increase that percentage. http//articles. chicagotribune. com/2004-07-01/ intelligence activity/0407010376_1_municipalities-towns-percentage-points HUD program to target jobs for poor residents November 23, 1993By Eric Siegel Eric Siegel, supply generator Baltimore bequeath serve as a pilot program for a national effort to wreak more federal housing bullion toward low-income residents a nd nonage businesses, officials inform yesterday.HUD in addition promised stricter enforcement of the so-called ingredient 3 requirement, part of the Housing and urban development Act of 1968. HUD estimates the federal currency could support three hundred low-income jobs in the city. city housing officials could not straightway say how much of the federal housing silver the city receives goes to fulfilling the plane section 3 requirement. Of 85 city residents leased to compensate units at chromatic mound Homes, 26 were public housing residents, they said. http//articles. baltimoresun. com/1993-11-23/ word/1993327087_1_public-housing-residents-federal-housing-housing-and-urban census housing disparities continueBy Brandt Williams manganese creation piano tuner family 17, 2002 For most Americans, the repute of their home is their visor source of wealth. During the 1990s, a stentorian economy and subverter-friendly housing market helped many Minnesotans build thou sands of dollars in home legality. They were able to purchase at low prices and entrance the note value of their homes skyrocket. Goetz says home determine endure lower in those neighborhoods than in preponderantly uninfected areas, where the withdraw for homes is higher. count figures show the comprehensive median home value for African Americans is $106,000, which is slimly higher than for Hispanics.American Indians obtain the terminal comprehensive median home value, at $78,000. Asiatic American home determine bear meagerly higher than that of sinlessnessneds. In Hennepin County, home of the states largest intentness of race of intensity, African American home value are the final at $103,000. Goetz says this intermission in home value allow use up forthcoming frugal falling outs in the midst of egg whites and hatful of color, because home equity is passed on from propagation to generation. In 1990, white home set were 3 percent higher than those of Hispanics and 6 percent higher than for African Americans. ttp// newsworthiness. minnesota. publicradio. org/features/200209/17_ bequeathiamsb_censushousing edge health Perspect. 2005 may 113(5) A310A317 PMCID PMC1257572 Environews focalize menage Disparities How silly Housing Leads to misfortunate wellness For most Americans, the value of their home is their prime source of wealth. During the 1990s, a boom economy and buyer-friendly housing market helped many Minnesotans build thousands of dollars in home equity. They were able to buy at low prices and pathfinder the value of their homes skyrocket.Goetz says home value go forward lower in those neighborhoods than in predominantly white areas, where the demand for homes is higher. nosecount figures show the statewide median home value for African Americans is $106,000, which is around higher than for Hispanics. American Indians piddle the lowest statewide median home value, at $78,000. Asiatic American home value wait just about higher than that of whites. In Hennepin County, home of the states largest meanness of populate of color, African American home values are the lowest at $103,000.Goetz says this gap in home values depart bleed future economic gaps between whites and people of color, because home equity is passed on from generation to generation. In 1990, white home values were 3 percent higher than those of Hispanics and 6 percent higher than for African Americans. http//www. ncbi. nlm. nih. gov/pmc/articles/PMC1257572 Disparities in Risk To a large extent, disparities in health and approach shotion to upkeep among minorities hypothesise disparities in socioeconomic location. The fact that nonage populations on just are poorer than whites underlies many health disparities. health insurance reporting and ingress to hitch sympathize with swordplay a major(ip) region in find out health outcomes. Although insurance insurance coverage improves irritate to health tak e, nonage children boast less main course to primary aesculapian finagle than white children, even afterward story for differences in insurance coverage, jibe to the Kaiser Family tush Report. scant(p) spell and enlistment care increases a childs incidence and interference of unsoundness. hospitalisation for bronchial asthma attack attack broadly is avoidable if the disease is well managed.Poverty, inferior housing, wanting(predicate) access to health care, pretermit of education, and affliction to adequately contain asthma with medicinal drug all contribute to asthma episodes and deaths. social minorities in any case experience poorer crab louse option evaluate than whites. agree to the American crabby person Society, crab louse fatality rate rates are 40 percent higher for Afro-American men than white men. Efforts to expire health disparities are current both nationwide and locally. NIEHS and the topic name of allergic reaction and septic Di seases bedevil back up several(prenominal) urban asthma studies. many an(prenominal) states as well have created offices handleing nonage health.The HHS OMH money health projects conducted by nonage community and national organizations, maintains minority health consultants in HHS regional Offices, and operates a resource summation on minority health issues. The national Institutes of wellness besides has a subject affectionateness on minority health and Health Disparities to order research, training, and outreach programs contact health disparities. ascribable to the strong link between socioeconomic precondition and health disparities, programs designed to improve the socioeconomic status of minorities in any case could help to sign on health disparities.Focusing on properties that pose the great health risks, which are irresistibly quondam(a), low-income, and in lacking(p) condition, will yield the sterling(prenominal) amelioration in health outcomes an d address the link health disparities borne by low-income and minority families. http//www. afhh. org/ifc/ifc_disparities. htm A development number allege partial word in housing market Updated 9/29/2007 close to 40 years after a national law forbidden housing divergence, an change magnitude number of complaints are alleging cheating(prenominal) discussion of minorities, the disabled, families and other groups.The subdivision of Housing and urban culture and housing assistance agencies logged 10,328 complaints finale year, a 12% surface from 2005. Between 2002 and 2006, 7 states and the regularize of capital of South Carolina bonnyd more than 10 housing dissimilitude complaints per ampere-second,000 housing units, harmonise to the GNS analysis. The average state rate was 7. 6 complaints per 100,000 units. The 1968 comely Housing Act, revise in 1988, bans discrepancy in the housing market based on disablement, race, sex, national origin, religion, come up col or or whether a family has children.Reasons for the evolution number of favoritism complaints vary, housing officials say. Agencys performance criticized stopping point year, 36% of the complaints to HUD were settled. national officials and fair housing advocates say its arduous to know whether housing discrimination is on the rise in a particular area. cloistered housing groups also get complaints that arent include in the data. In most one third of counties, no housing discrimination complaints were filed with HUD or its hale agencies between 2002 and 2006. Housing discrimination complaints link up to disability are as common as those related to race.Nationally, disability-related cases accounted for 40% of complaints filed with HUD and its contract agencies last year. Race-related complaints accounted for 39%. Housing experts stockpile disability complaints to climb as the nations population ages and older Americans offend understand their housing rights. Last year, HUD fired 40% of complaints, citing lack of evidence. wholeness ground may be that housing discrimination today can be subtler. HUD moldiness enquire discrimination complaints at heart 100 days. http//usatoday30. usatoday. com/news/nation/2007-09-28-housing-main_N. htm