Posts from February 2019

Debating Risk, Merit of GSEs Accumulating Low Downpayment Market Share

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 ...

What States are Magnets for Young Adults? You Might Be Surprised

February 22, 2019 by Zelman & Associates

As detailed last year, the strongest population growth of late according to the Census Bureau was in Nevada, Idaho, Utah, Arizona and Florida. Above-average growth in these states is likely not surprising ...

A New Analysis of Homebuyer Leverage Ratios and Entry-Level Implications

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 ...