Posts from August 2016

Analyzing Impact of Student Debt on Homeownership and Single-Family Living

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 ...

What to Make of Strong New Home Sales and Weak Existing Home Sales?

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, ...

Based on Credit Scores, How Tight Is Mortgage Underwriting Versus History?

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 ...

Older High Schoolers a Secular Factor in Young Adults Living at Home

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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