Labor Conditions Are a Big Factor in Our Current Housing Supply Challenges

Scarce and more expensive labor is a key contributor to the high cost of housing construction.

The Community Reinvestment Act Faces Major Changes, but Regulators Are Not Aligned

Regulators, banks, and community advocates all agree that the Community Reinvestment Act could better support low-income communities.

All Five Federal Mortgage Programs Should Treat Student Loan Debt the Same Way

Many of the 44.7 million Americans with student loan debt are also in their prime homebuying years.

How 2020 Candidates Plan to Increase Nationwide Housing Supply

New housing construction is failing to meet the needs of 80 million millennials entering their prime homebuying years.

Three Reasons We Still Build Like It’s 1900

Site-built home construction is more common, but less efficient and costlier than off-site construction.

New Mortgage Data Show Business Borrowing Is Key to Affordable Multifamily Housing

Newly released HMDA data reveal three important facts about multifamily lending.

What’s Behind the Dramatic Improvement in the Federal Housing Administration’s MMI Fund?

In their annual report to Congress, the FHA showed a major improvement in the capital ratio of the Mutual Mortgage Insurance fund.

Not Every Household Feels Relief amid Our Record-Low National Household Debt Service Ratio

Today's low debt service ratio partly reflects the difficulties some would-be homeowners are having qualifying for a mortgage.

Four Ways Technology Is Addressing the Housing Affordability Crisis

Brian Brooks recently outlined how the tech sector is addressing the housing sector’s supply and demand mismatch.

Good News for the Next Economic Downturn: Home Equity Use Is Low

The $29.1 trillion value of the US housing market is at a historic high, but mortgage debt held by homeowners is stable.