ERIC BELSKY is Executive Director of the Joint Center for Housing Studies of Harvard University and Lecturer in Urban Planning and Design at the Harvard University Graduate School of Design. Prior to his Harvard appointments, Professor Belsky led the Housing Finance and Credit Analysis Group at Price Waterhouse LLP, and served as director of housing finance research at Fannie Mae, as senior economist at the National Association of Home Builders, as assistant professor of urban geography at the University of Massachusetts at Amherst, and as research director for the bipartisan Millennial Housing Commission established by the U.S. Congress. He has published numerous articles and has coedited four books: Low-Income Homeownership: Examining the Unexamined Goal; Building Assets, Building Credit: Creating Wealth in Low-Income Communities; Revisiting Rental Housing: Policies, Programs, and Priorities; and Borrowing to Live: Consumer and Mortgage Credit Revisited. Belsky holds a PhD in geography, an MA in international development, and a BA from Clark University.