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What do young families in Orange County, California, and Selma, Alabama, have in common? Families in both places struggle to qualify for a mortgage and get into their first home, in part because of overly restrictive credit-scoring systems. Can new scoring models, or data about rent and utility payments, help these families become homeowners?
At an event at the Urban Institute last week, representatives Ed Royce (R-CA) and Terri Sewell (D-AL) discussed the difficulties their constituents have getting their first foot onto the homeownership ladder, whether that means a stick-built...