Sample Papers

September 11, 2020

A decade of broad-based demand

A DECADE OF BROAD-BASED DEMAND As measured by the Housing Vacancy Survey, the number of renter households soared by nearly 9 million from 2005 to 2015—the […]
September 11, 2020

A vital resource for a diverse nation

0 Under 30 30–39 40–49 50–59 60–69 70 and Over Age Group ● Do Not Expect to Buy a Home ● Expect to Buy a Home […]
September 11, 2020

Changes in mortgage origination channels

CHANGES IN MORTGAGE ORIGINATION CHANNELS The weakness in mortgage originations in 2015 was accompa- nied by changes in the regulatory environment resulting from the rollout of […]
September 11, 2020

Tight mortgage market conditions

TIGHT MORTGAGE MARKET CONDITIONS The number of first-lien mortgage originations for owner- occupied home purchases increased only incrementally from its 2011 low, reaching 2.8 million in […]
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 […]
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