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Housing affordability

Condo rules need reform to keep homes affordable

Condos and HOAs, Housing affordability, Originations /

Enjoy complimentary access to top ideas and insights — selected by our editors. Condominiums have historically been our most affordable site-built homeownership option. However, escalating insurance costs, concerns about the structural integrity of condos, and more stringent underwriting requirements threaten to undermine the advantages of this critical home purchase option. Is there a way forward that […]

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How student loan debt is changing the housing market

First time home buyers, Home Prices, Housing affordability, Student loan debt /

As student debt levels keep rising, a new study spotlights the extent to which they are changing homeownership demographics and hampering financial opportunities for younger generations.  Every $1,000 in student debt decreases the likelihood of homeownership by 1.8%, according to analysis conducted by commercial collection agency The Kaplan Group. Researchers looked through data between 2007

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Why Section 8 cuts are a mortgage market threat

Affordable housing, Housing affordability, HUD, Multifamily /

As federal budget negotiations intensify, some policymakers have floated deep cuts to the Housing Choice Voucher Program, better known as Section 8. For those in favor of reducing funding for the program, it’s simply a line item to trim. But for those of us in housing finance, it’s a structural pillar. Gutting this program would

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