The blog of the Urban Institute
October 31, 2013

Ten reasons housing finance policy might keep you up at night

October 31, 2013

If you thought housing finance was boring, think again. Last week, during the launch of the Urban Institute’s new Housing Finance Policy Center, UI experts explained why an industry that loves to abbreviate (e.g. HUD, FHA, MBS, GSE) will have an expansive effect on who can afford to live where, whether millions of young Americans will thrive or simply subsist, and our entire country’s economic stability.

Below are highlights from the launch, which was streamed online in its entirety.  

1.      The U.S. residential mortgage market is worth $9.8 trillion. In a market this large, when important constituents don’t understand each other, the results can be disastrous.  

2.      Fundamental questions about who wins and who loses in this economy play out in housing.  

3.      Our decisions about housing reflect a deep generational divide.  

4.      These decisions will affect what happens to … millions of Boomers.

5.      And … millions of Millennials.

6.      Did we mention this economy is especially challenging for Millennials?

7.      Housing finance policy can increase wealth gaps...

8.      ... exacerbate regional inequalities …

9.      … and influence who has access to The American Dream.

10.      More and more, these inequalities will play themselves out politically.

So let’s create space now to talk sensibly, armed with facts.

To learn more about the Urban Institute’s new Housing Finance Policy Center, visit its website.


As an organization, the Urban Institute does not take positions on issues. Experts are independent and empowered to share their evidence-based views and recommendations shaped by research.