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Housing Finance Policy Center

Housing Finance At A Glance: July 2014

The July edition of At A Glance, HFPC’s reference guide for mortgage and housing market data, includes updated indicators related to credit availability, the state of the GSE portfolios, and the latest mortgage origination and housing market projections.

Housing Finance at a Glance

The Housing Finance Policy Center (HFPC) was established to provide timely, impartial data and analysis, and to educate policymakers and the public on how the housing finance system affects households, communities and the broader economy. The goal of HFPC is to produce analyses and ideas that foster sound public policy, efficient markets, and economic opportunity.

Is student debt hindering homeownership?
Since 2004, student loan debt has tripled to $1.1 trillion, surpassing both outstanding auto and credit card debt. Many have sought to connect the dots between the rise in student debt and the five percent decline in homeownership, but research presented this week at the Urban Institute raises questions about the evidence... Read More

Is residual income the key to superior performance of VA loans?
Default rates on loans guaranteed by Veterans Affairs (VA) are consistently lower than on loans insured by the Federal Housing Administration (FHA)... Read More

Senate GSE Reform: What we learned from Johnson-Crapo

On May 15, 2014, the Senate Banking Committee passed S.1217, the Housing Finance Reform Act of 2013, more commonly known as Johnson-Crapo. While the bill passed out of committee with relatively broad bipartisan support, barring a late summer surprise it does not have the support needed for a vote on the Senate floor...Read More

Move over Freddie Mac: Ginnie Mae will be number 2 soon
At the current growth rate, the Government National Mortgage Association (GNMA) known as “Ginnie Mae” will overtake Freddie Mac within the year as the second largest single-family mortgage securitization platform... Read More 

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