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Home Equity Assistance Program: A Direct Solution for Foreclosure Mitigation
(Dotzour & Klassen) No. 1906, Technical report, 44pp. (7/20/2009) |
 The author proposes a more holistic view of the global financial crisis and offers a solution that meets the needs of all affected parties, including distressed homeowners, taxpayers, banks, mortgage-backed security investors and politicians.
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"Taking Mortgage Costs Seriously"
(Anari) No. 1911, Tierra Grande reprint, 4pp. (7/20/2009) |
 Texas housing is a bargain. Nationally, the monthly cost of owning a home using a mortgage loan is 25.1 percent of household income. But in Texas, homeownership costs using a mortgage take only 23.3 percent of a household's income.
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"Taking Title: Industry Offers Peace of Mind"
(Anari) No. 1887, Tierra Grande reprint, 2pp. (1/19/2009) |
 The title industry assures property buyers that their ownership interests are protected. The industry has grown as Texas' economy has thrived. But as evidenced by losses paid, it remains a risky business.
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"POA Legislation Protects Buyers"
(Fambrough) No. 1872, Tierra Grande reprint, 3pp. (7/22/2008) |
 Two new property code statutes address issues relating to property owners' associations (POAs). One requires mandatory disclosure when a property owner is a member of a POA. The second requires POAs of subdivisions that have the pwoer to levy assessments to provide information, bylaws and a resale certificate to the owner, owner's agent or title company.
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"Housing Affordability"
(Gaines) No. 1796, Tierra Grande reprint, 12pp. (10/20/2006) |
 A look at how each of the component costs of homeownership -- mortgage payment, property taxes, insurance and utilities -- affect home affordability. The article shows that 35.9 percent of Texas households cannot afford a home priced more than $75,000, and 57.5 percent cannot afford a home priced more than $125,000.
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Homeownership Costs and Housing Affordability Sensitivity
(Gaines) No. 1789, Technical report, 22pp. (10/4/2006) |
 Real estate agents, homeowners and prospective homeowners know the key to acquiring a home is qualifying for the purchase mortgage. This analysis explores the role that principal, interest, taxes, utilities and insurance have on affordability.
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THAI: Revised Texas Housing Affordability Index
(Gaines) No. 1742, Technical report, 6pp. (10/11/2005) |
 Beginning with first quarter 2005, the Real Estate Center at Texas A&M University revised its calculations of the Texas Housing Affordability Index (THAI). This was done to be more consistent with other published indices and to reduce the complexity and subjectivity of the analysis.
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Homeowner's Guide
(Harris) No. 1415, Special report, 39pp. (3/1/2005) |
 An update of the Center's popular homeseller's guide, this report covers owning and selling a home. It includes a helpful glossary.
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Home-Buyers' Guide
(Harris) No. 1044, Technical report, 38pp. (Revised 7/1/2004) |
 The home-buying process may have far-reaching consequences on personal finances and satisfaction. This reference looks at the meaning of homeownership, shopping for a home, options, loans and negotiating.
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Home Buying Among Ethnic Groups
(Staff) No. 1715, Technical report, 21pp. (5/1/2004) |
 The final report by Harris Interactive giving results of interviews with 4.000 Texans of various ethnic groups. The survey explored their views and experiences toward homeownership, real estate professionals and real estate services.
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"Living the Dream: Ultimate Family Home Has Something for Everyone"
(Jones, D.) No. 1665, Tierra Grande reprint, 4pp. (4/20/2004) |
 From its air-conditioned garage bay with plasma TV and sound system to the kitchen workspace with Internet access, the 2004 Ultimate Family Home is sure to draw a "wow" from grownups and kids alike.
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"Sold in the USA"
(Jones, D.) No. 1672, Tierra Grande reprint, 1pp. (4/20/2004) |
 If you need yet another reason to be glad you live in the good ol' U.S. of A., just take a look at homebuying in other countries.
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"The Professional Inspector"
(Harris) No. 1669, Tierra Grande reprint, 3pp. (4/20/2004) |
 Like most professions, home inspectors can earn various types of credentials. This article explains what those credentials mean.
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"Money Well Spent: What Texans Pay for Homeownership"
(Anari) No. 1655, Tierra Grande reprint, 4pp. (1/11/2004) |
 A study comparing the Texas residential real estate market with that of the nation's, focusing on the relationship between homeownership costs and incomes.
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"Your Home as a Investment"
(Harris) No. 1613, Tierra Grande reprint, 2pp. (3/31/2003) |
 Although most people don't buy their home strictly for investment, it is an important asset. Here's an indication of how well homes perform as an investment.
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"Analyze This . . . Homeowners are Happier"
(Harris) No. 1588, Tierra Grande reprint, 2pp. (10/30/2002) |
 Real estate agents are in the homeownership business. Here are some points, drawn from academic research, which support the benefits of being a homeowner.
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"Right to Sue in Sales Contracts"
(Fambrough) No. 1591, Tierra Grande reprint, 2pp. (10/30/2002) |
 Land buyers, beware. If the sales contract does not assign the right to sue for damages that occurred before you owned the property, you won't have a legal leg to stand on.
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"Going Once, Going Twice, Sold!"
(Hunt) No. 1565, Tierra Grande reprint, 3pp. (8/2/2002) |
 Auctions are becoming a more popular means for selling real estate.
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"Housing Counciling Agencies: Missionaries for Affordable Housing"
(Harris) No. 1566, Tierra Grande reprint, 3pp. (8/2/2002) |
 Housing counseling agencies help families find home-buying assistance and prepare them to enter the market. Real estate agents should be familiar with these resources.
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"Not Your Grandfather's Farm Credit System"
(Mays & Gilliland) No. 1573, Tierra Grande reprint, 3pp. (8/2/2002) |
 Farmers and ranchers are not the only ones who can borrow through the Farm Credit System. A change in management philosophy has broadened eligibility and simplified the application process.
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