Sample Papers

September 11, 2020

The Federal Housing Administration

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 […]
September 11, 2020

Student loan debt and down payment

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 […]
September 11, 2020

Affordability of home prices

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 […]
September 11, 2020

Foreclosures backlog and sluggish home buying

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 […]
September 11, 2020

Home ownership rate declines

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 […]
September 11, 2020

The state of the nation’s housing

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, […]
September 11, 2020

Residential mobility trends

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 […]
September 11, 2020

Rebound in immigration assignment

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, […]
September 11, 2020

Disparities in household wealth

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 […]
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