Abstract: Home mortgage credit is less available in rural areas than in urban. The major reason is the limited number of savings and loans (S&L's) operating in rural areas. Banks are the major source of housing credit in rural areas whereas S&L's are most active in metro areas.

For the past two decades the United States has been transforming distressed public housing communities, with three ambitious goals: replace distressed developments with healthy mixed-income communities; help residents relocate to affordable housing, often in the private market; and empower former public housing families toward economic self-sufficiency. The transformation has focused on deconcentrating poverty, but not on the underlying role of racial segregation in creating these distressed communities. In Public Housing and the Legacy of Segregation, scholars and public housing officials assess whether--and how--public housing policies can simultaneously address the problems of poverty and race.