Black and Latino mortgage applicants from New England continued to experience much higher denial rates than whites and Asians in 2013 and 2014, according to the Federal Reserve Bank of Boston’s recent study.  The disparity occurred at every income level. Even at the highest income level tracked in the Home Mortgage Disclosure Act data set used for the study ($150,000+), blacks and Latinos, respectively, were almost 2 times and 1.3 times more likely to be denied a loan relative to whites with equivalent earnings.

Don't forget to enter VHFA's photo contest for your chance to win a $50 gift card to Bed Bath & Beyond. All you have to do to enter is take a picture of what you are most thankful for about your home and tag us on Facebook, Vermont Housing Finance Agency (VHFA), or Twitter, @vhfa, or feel free to email your photo to us at [email protected]

The number of homeless living in the U.S. who are over the age of 50 has jumped recently, and now comprises 31 percent of the nation's total homeless population, according to the New York Times. This is creating "daunting challenges for social service agencies and governments already struggling with this crisis of poverty."

Need an affordable apartment or know someone who does? There are vacancies in 13 different apartment complexes across the state, according to the Vermont Directory of Affordable Rental Housing.