August 25, 2022 by Kevin Kaczmarek
Filed Under
affordabilityentry-levelmortgage
February 22, 2019 by Zelman & Associates
Like the three years prior, in 2018, approximately 45% of the $1.2 trillion of purchase mortgages originated was covered by mortgage insurance provided by private entities or the government via the FHA, VA or USDA programs. This suggests an ...
Filed Under
entry-levelmortgage
February 08, 2019 by Zelman & Associates
In 2018, we estimate that the monthly payment for a typical entry-level homebuyer increased 11% year over year, inclusive of principal, interest and mortgage insurance. The spike was driven by an approximate 40 basis point increase in 30-year ...
Filed Under
affordabilityentry-levelmortgage
April 20, 2018 by Zelman & Associates
Earlier this year, we dissected the impact of tax cuts on net income for different income cohorts, noting that the average individual tax filer would experience an approximate 1.5% increase in after-tax cash flow in ...
Filed Under
affordabilityentry-levelmortgage
February 09, 2018 by Zelman & Associates
In 2017, we estimate that there were approximately 6.4 million home closings, inclusive of existing home transactions and new construction. We further estimate that 79% of these homes were purchased by owner-occupants, as opposed to investment ...
Filed Under
demographicsentry-levelexisting home sales
October 20, 2017 by Zelman & Associates
Based on our national mortgage finance research, we estimate that 2.57 million unit purchase mortgages were originated in 2011, which stood 61% lower than the cycle peak of 6.60 million in 2005 and represented the lowest production since at ...
Filed Under
entry-levelmortgage
August 25, 2017 by Zelman & Associates
Almost a year ago in an analysis titled, “Entry-Level Wage Growth Not Great, but Continuing to Improve”, we offered a relatively optimistic outlook for entry-level incomes with the growth rate improving for two key indicators in 2016 compared ...
Filed Under
entry-levelmacro housing
June 02, 2017 by Zelman & Associates
There are numerous home price measures that are provided by the government and private entities, both for free and at a charge, that offer market participants a general understanding of national pricing. Given a very high correlation across ...
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affordabilityentry-levelhome pricing
April 21, 2017 by Zelman & Associates
Beginning in 1Q15, we began tracking new home for-sale inventory across more than 20 production homebuilders, including the square footage offered as a way to better gauge investments and the willingness to cater to the under-served ...
Filed Under
entry-levelhomebuilding
February 10, 2017 by Zelman & Associates
We recently outlined several reasons why we believed that the national homeownership rate was near a bottom. The most-frequently cited measure of homeownership comes from the Census Bureau’s quarterly Housing ...
Filed Under
entry-levelhomeownership
affordabilityapartmentsbaby boomersbuild-for-rentconstruction lendingdemographicsentry-levelexisting home saleshome improvementhome pricinghomebuildinghomeownershiphousehold formationhousinghousing startsinstitutional investorsinterest ratesmacro housingmillennialsmortgagemortgage ratesnew home salesreal estate servicesrefinancesg&asingle-family rentalstocksstudent debtsupplysurvey
