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Abstract
Various affordable housing initiatives have become available throughout the country since the mid-1990s, with housing counseling offered as a way of preparing low- and moderate-income families for the responsibilities of homeownership. The housing counseling industry increasingly allows low- and moderate-income households the opportunity to experience homeownership for the first time. Evaluative efforts of housing counseling have focused primarily on its financial aspects and have largely ignored the results related to one’s choice of housing and community quality. This research examined home buyers’ dwelling unit and neighborhood satisfaction after receiving compulsory housing counseling services through an innovative downpayment assistance program. The results of the study revealed that borrowers who attended housing counseling sessions were satisfied with their respective dwelling units and neighborhoods on both an absolute basis and when compared with their previous homes and neighborhoods. In addition, counseled borrowers moved to neighborhoods with improved socioeconomic characteristics when compared to their previous residences.
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Notes on contributors
Andrew T. Carswell
Andrew T. Carswell is Assistant Professor, Department of Housing and Consumer Economics, University of Georgia, Athens, GA.
