AREAA：2024年度美国亚裔房屋拥有权现状报告：移民叙事与住房公平的多元解码（英文版）（29页）.pdf

1、JOURNEYINGAN ANTHOLOGY OF COMING TO AMERICAPresented by RE/MAX,LLC&Freddie MacSTATE OF ASIA AMERICA AN OFFICIAL PUBLICATION OF THE ASIAN REAL ESTATE ASSOCIATION OF AMERICATMPRESENTED BYTABLE OF CONTENTSA JOURNEY TO AREAA POLICY WINSEditorJordan FanManaging EditorVanessa ShieldsArt DirectorJazz Miran

2、daDesignersArmel ZamoraAngela HoltonContributorsJaya Dey,Freddie MacSijie(Jessie)Hickly,Freddie MacSTATE OF ASIA AMERICA20242504Foreword06The Land Of Dreams14A Case For Disaggregated Data24Filipino20Chinese28Vietnamese34Native Hawaiians&Pacific Islanders30Korean36AANHPI Representation,In Detail32Jap

3、anese38Tale Of Three Cities40Higher-Income Households44Middle-Income Households48Lower-Income Households52AREAA Three-Point Plan54Sources16Asian IndiansUCLA SURVEYWorked with UCLA Asian American Studies Center to identify barriers to AAPI homeownership.2007NO OTHERSeparated AAPIs from Othercategory

4、on Census housing reports.2016PREFERRED LANGUAGE DATA FIELDLanguage field on URLA form to assessneeds for language support2017MORTGAGE TRANSLATIONSWorked with GSEs and agencies toaggregate mortgage terms to four different Asian languages.2019ELIMINATING 1%RULEStudent loans more fairly calculated for

5、 DTI.2021ALTERNATIVE CREDITInclusion of Vantagescore 4.0 andFICO 10T in mortgage underwriting.2022AAPI HOMEBUYER SURVEYConducted a national survey to assess the effect of Anti-Asian sentiment on housing.2022RENTERS CREDITSupported creation of renters creditprograms at Fannie Maeand Freddie Mac.2021C

6、ENSUSPARTNERSHIPPartnered with the U.S.Census Bureauto increase AAPI engagement indecennial census.2020SPRING 20244For over 20 years,AREAA has advanced understanding and opportunities for Asian American and Pacific Islander(AAPI)communities through insightful research and collaborative partnerships.