Race To The Bottom: An Analysis Of HAMP Loan Modification Outcomes By Race And Ethnicity For California

Since 2007, California’s families and neighborhoods have been devastated by the foreclosure crisis. Despite the objectives of the current federal Home Affordable Modification Program (HAMP)  and state and local efforts, millions of Californians have suffered as their mortgages have become increasingly unaffordable, as their housing values crashed, and as banks failed to modify mortgages to keep people in their [...]