Sample Papers

The Federal Housing Administration (FHA), which offers loans with downpayment requirements as low as 3.5 percent, has traditionally been a critical source of mortgage credit for […]

STUDENT LOAN DEBT AND DOWNPAYMENT PRESSURES Although home prices remain generally affordable, rising stu- dent loan debt has eroded the amount of income that house- holds […]

AFFORDABILITY OF HOME PRICES While home prices have rebounded from their 2011 lows, they are still affordable by historical standards. The real median sales price of […]

FORECLOSURES BACKLOG AND SLUGGISH HOMEBUYING The overhang of foreclosures has contributed to the continued slump in homeownership. Although on the decline, distressed sales are still well […]

HOMEOWNERSHIP RATE DECLINES The decade-long slide in homeownership is unprecedented in American history, with the national rate down more than 5 percentage points from the 69.0 […]

THE STATE OF THE NATION’S HOUSING 201618 share of remodeling spending, but will also increase demand for different types of projects, such as accessibility improvements. Third, […]

RESIDENTIAL MOBILITY TRENDS Residential mobility rates, or the share of the population that changes homes in a given year, have trended downward since the mid-1990s. Mobility […]

REBOUND IN IMMIGRATION Immigration, another major driver of household growth and housing demand, is starting to pick up steam. From a low of 704,000 in 2011, […]

DISPARITIES IN HOUSEHOLD WEALTH Along with income, wealth is increasingly concentrated in the hands of the few and the numbers of households with little or no […]