Exclusive insights and analyses from our industry-leading research team
September 09, 2016 by Zelman & Associates
The Federal Open Market Committee (FOMC) is scheduled to announce its next policy rate decision on September 21st, putting the trajectory of interest rates back into the media headlines. Last December, the FOMC raised the target for the federal ...
Filed Under
mortgage rates
September 09, 2016 by Zelman & Associates
There are numerous home price measures that are provided by the government and private entities, both for free and a charge, that offer market participants a general understanding of national pricing. Given that all of the datasets have their ...
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affordabilityhome pricing
September 09, 2016 by Zelman & Associates
It seems that not a day goes by that a major news outlet does not mention the term “Millennial,” typically with a focus on how this generation is likely to impact the economy as it ages. The term Millennial was initially used to describe young ...
Filed Under
demographicsentry-levelmillennials
August 26, 2016 by Zelman & Associates
Earlier this month, Fannie Mae posted an article titled “Student Debt Isn’t the Roadblock to Homeownership Many Believe”, emphasizing that student debt is not the deciding factor behind whether young adults own their home or not, because it ...
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demographicsstudent debt
August 26, 2016 by Zelman & Associates
For many looking from afar, the release of new and existing home sales in July was likely a bit puzzling. Seasonally-adjusted new home sales, according to the Census Bureau, posted a recovery high and were up 31% year over year. Meanwhile, ...
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existing home salesnew home salessurvey
August 12, 2016 by Zelman & Associates
As of the 2010 Decennial Census, 77.6% of 18-19 year olds lived at home with their parents or grandparents, 240 basis points higher than in 2000, which is at least partly related to a less favorable employment backdrop in 2010 when the national ...
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demographics
August 12, 2016 by Zelman & Associates
In the mainstream media, it is common to find opinions that mortgage credit availability is “too tight” or “a headwind for first-time homebuyers” or “only available to pristine borrowers.” While we do not believe that to be true as terms on ...
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entry-levelmortgage
July 29, 2016 by Zelman & Associates
For 2Q16, the Census Bureau announced that the national homeownership rate registered 62.9%, down 50 basis points from 2Q15. The headline was particularly eye-catching given that it tied 2Q65 for the lowest second quarter level of the last ...
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homeownership
July 29, 2016 by Zelman & Associates
In recent years, national banks have faced numerous legal headwinds related to legacy mortgage exposure, incurring billions of dollars of fines in aggregate, which has led many to de-risk their origination business. This has been particularly ...
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entry-levelmortgage
July 29, 2016 by Zelman & Associates
In 2014, approximately 28% of households consisted of one person living alone, up from 26% in 2000, 25% in 1990 and 23% in 1980. The gradual increase has implications for housing demand given that individuals traditionally require less space ...
Filed Under
demographics
affordabilityapartmentsbaby boomersbuild-for-rentconstruction lendingdemographicsentry-levelexisting home saleshome improvementhome pricinghomebuildinghomeownershiphousehold formationhousinghousing startsinstitutional investorsinterest ratesmacro housingmillennialsmortgagemortgage ratesnew home salesreal estate servicesrefinancesg&asingle-family rentalstocksstudent debtsupplysurvey
