Solutions Archives - Keys Unlock Dreams

Washington DC Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of Washington DC and Washington DC MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in Washington DC that are all related to the lower Black homeownership rate and housing wealth in the region. Its aim is to help decision-makers identify and evaluate solutions to racial housing wealth disparities in their area and to offer metrics and benchmarks toward progress.

New Orleans Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of New Orleans and New Orleans MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in New Orleans that are all related to the lower Black homeownership rate and housing wealth in the region. Its aim is to help decision-makers identify and evaluate solutions to racial housing wealth disparities in their area and to offer metrics and benchmarks toward progress.

Oakland Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of Oakland and Oakland MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in Oakland that are all related to the lower Black homeownership rate and housing wealth in the region. Its aim is to help decision-makers identify and evaluate solutions to racial housing wealth disparities in their area and to offer metrics and benchmarks toward progress.

COVID-19 and Homeownership in Baltimore

Homeownership declined in Baltimore during the COVID-19 pandemic, exacerbating long standing issues that have fallen particularly hard on Black communities, a new report by several local and national nonprofit organizations has found. The report, “COVID-19 and Homeownership in Baltimore,” documents how the Black community has lagged in homeownership rates in Baltimore historically. In Baltimore, from...

Philadelphia Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of Philadelphia and Philadelphia MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices,...

Baltimore Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of Baltimore and Baltimore MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in Baltimore that are all related to the lower Black homeownership rate and housing wealth in the region. Its aim is to help decision-makers identify and evaluate solutions to racial housing wealth disparities in their area and to offer metrics and benchmarks toward progress.

Houston Slide Deck

This slide deck provides a comprehensive overview of racial disparities in homeownership in the city of Houston and Houston MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in Houston that are all related to the lower Black homeownership rate and housing wealth in the region. Its aim is to...

Atlanta Market: Keys Unlock Dreams Initiative

This chartbook provides a comprehensive overview of racial disparities in homeownership in the city of Atlanta and Atlanta MSA by analyzing household socioeconomic characteristics, mortgage and credit, home prices, and housing supply in Atlanta that are all related to the lower Black homeownership rate and housing wealth in the region.

First Generation: Criteria for a Targeted Down Payment Assistance Program

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Using Special Purpose Credit Programs to Expand Equality

Special Purpose Credit Programs (SPCPs) are made available by the Equal Credit Opportunity Act. Building more affordable housing is important, but much more must be done to advance credit equity. Our markets are structurally unfair and we need intentionality to effectively address the racial wealth and homeownership gaps. SPCPs are an important tool in expanding...