Government Information

Earl Gregg Swem Library

Residential Vacancies and Homeownership in the Fourth Quarter 2014

Categories: Housing/Homelessness,Statistics

http://www.census.gov/housing/hvs/files/qtr414/currenthvspress.pdf

Shows vacancy rates for rental housing and homeowner housing and by quarter from 1995 for homeownership rates.  From the Census Bureau

 

Transitioning to Alternative Structures for Housing Finance

Categories: Financial Crisis/Markets,Govt Finance,Housing/Homelessness

http://www.cbo.gov/sites/default/files/cbofiles/attachments/49765-Housing_Finance_0.pdf

The federal government through government sponsored enterprises like Freddie Mac and Fannie Mae directly or indirectly insures over 70% of all new residential mortgages.  This report examines various proposals to attract more private capital to the secondary mortgage market and how the market could transition to a new structure during the coming decade.  From the Congressional Budget Office

 

Consumers’ Mortgage Shopping Experience

Categories: Business/Economics,Consumer Info/Protection,Housing/Homelessness

http://files.consumerfinance.gov/f/201501_cfpb_consumers-mortgage-shopping-experience.pdf

Subtitled: A First Look at Results from the National Survey of Mortgage Borrowers.  Examines information related to consumers’ efforts to obtain a mortgage from initial searching through ultimate closing.  From the Consumer Financial Protection Bureau

 

Independence for Young Millennials: Moving Out and Boomeranging Back

Categories: Housing/Homelessness,Statistics,Youth

http://www.bls.gov/opub/mlr/2014/article/independence-for-young-millennials-moving-out-and-boomeranging-back.htm

Examines the process of household formation by young adults born between 1980 and 1984.    Finds that the likelihood of young adults to move out and boomerang back to parental homes is correlated with certain individual and family characteristics.  From the Bureau of Labor Statistics

 

Student Loan Debt and Economic Outcomes

Categories: Business/Economics,Education-Higher,Housing/Homelessness,Prices/Inflation,Youth

http://www.bostonfed.org/economic/current-policy-perspectives/2014/cpp1407.pdf

 

Examines the impact of student loan liabilities on homeownership status and wealth accumulation.  From the Federal Reserve Bank of Boston

 

Transitioning to Alternative Structures for Housing Finance

Categories: Financial Crisis/Markets,Govt Finance,Housing/Homelessness

http://www.cbo.gov/sites/default/files/cbofiles/attachments/49765-Housing_Finance.pdf

Examines various mechanisms that policymakers could use to attract more private capital to the secondary mortgage market and extricate the federal government from its current position of insuring 70% of all new residential mortgages.  Analyzes transition paths to four alternative structures.  From the Congressional Budget Office

 

Returning to the Nest: Debt and Parental Co-residence Among Young Adults

Categories: Education-Higher,Financial Crisis/Markets,Housing/Homelessness,Prices/Inflation

http://www.federalreserve.gov/econresdata/feds/2014/files/201480pap.pdf

Examines the relationship between a young adult’s debt burden, especially student loan debt, and the decision to reside with a parent.  From the Federal Reserve

 

The Impact of Missed Payments and Foreclosures on Credit Scores

Categories: Financial Crisis/Markets,Housing/Homelessness

http://www.clevelandfed.org/research/workpaper/2014/wp1423.pdf

Challenges the idea that foreclosure will ruin a credit score.  Finds that the first missed payment leads to the biggest reduction in credit scores and that credit scores improve substantially a year following foreclosure.  From the Cleveland Federal Reserve Bank

 

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