Homeownership

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Center for Data Analysis Report posted February 8, 2012 by William Beach, Patrick Tyrrell The 2012 Index of Dependence on Government
Abstract: The great and calamitous fiscal trends of our time—dependence on government by an increasing portion of the American population, and soaring debt that threatens the financial integrity of the economy—worsened yet again in 2010 and 2011. The United States has long reached the… Read more
WebMemo posted January 31, 2012 by Ronald Utt, Ph.D. HUD’s Mandatory Minority Relocation Program
President Obama’s Department of Housing and Urban Development (HUD) is beginning to insidiously intrude in local housing policies in a concerted effort to require racial and economic integration in American communities. It started in 2009, when HUD began using a settlement between the county of Westchester in New York and… Read more
WebMemo posted November 21, 2011 by Nahid Anaraki Housing Finance: FHA and Lessons Learned from Fannie Mae and Freddie Mac
Congress passed a combined spending proposal (H.R. 2112) that includes an increase in the limits on mortgages held by the Federal Housing Administration (FHA), though Fannie Mae and Freddie Mac are left untouched. A forthcoming study by The Heritage Foundation demonstrates how federal intervention in the… Read more
WebMemo posted November 17, 2011 by David John Raising the FHA Loan Limit: A Step in the Wrong Direction
In one spectacularly misguided move, a House–Senate conference committee has taken a step that will expand the federal presence in the housing markets, preserve Fannie Mae and Freddie Mac, and damage the near-bankrupt Federal Housing Administration (FHA) in the name of helping the housing sector to recover. One small provision… Read more
Play Movie Video Recorded on September 2, 2011 David John on Fannie and Freddie on FNC
David John discusses Fannie Mae and Freddie Mac. … Read more
Backgrounder posted July 12, 2011 by David John Free the Housing Finance Market from Fannie Mae and Freddie Mac
Abstract: Fannie Mae and Freddie Mac—the government-sponsored mortgage giants—must be shut down. Both entities distort the market by issuing mortgage-backed securities with subsidized government guarantees that the mortgages will be repaid. If such guarantees are necessary, they should be priced and issued by the… Read more
WebMemo posted May 25, 2011 by David John Qualified Residential Mortgage Regulations Threaten the Housing Market
The housing market is still weak,[1] and federal regulators are considering a regulation that could make matters even worse. Known as the Qualified Residential Mortgage (QRM) rule, the draft rule could have the effect of requiring many home buyers to have at least a 20 percent down payment… Read more
WebMemo posted February 24, 2011 by David John Housing Finance Reform: No Need for a New Fannie Mae and Freddie Mac
Given the task of producing a plan to develop a new housing finance system in light of the 2008 crisis and the failure of both Fannie Mae and Freddie Mac—a task that everyone agrees will be extremely complex—the Obama Administration decided to punt. Rather than one detailed plan, it produced… Read more
WebMemo posted February 10, 2011 by David John End Fannie Mae and Freddie Mac to Build Tomorrow's Housing Finance System
The era of Fannie Mae and Freddie Mac is over, and it is time to formally close them down. The activities of the two government-sponsored enterprises (GSEs) played a major role in the 2008 financial crash and have so far cost taxpayers over $150 billion to cover their losses; more… Read more
Play Movie Video Recorded on November 15, 2010 David John on Home Foreclosures on FNC
David John comments on the home foreclosure crisis. … Read more

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WebMemo posted January 31, 2012 by Ronald Utt, Ph.D. HUD’s Mandatory Minority Relocation Program
President Obama’s Department of Housing and Urban Development (HUD) is beginning to insidiously intrude in local housing policies in a concerted effort to require racial and economic integration in American communities. It started in 2009, when HUD began using a settlement between the county of Westchester in New York and… Read more
Backgrounder posted April 22, 2008 by Ronald Utt, Ph.D. The Subprime Mortgage Market Collapse: A Primer on the Causes and Possible Solutions
The collapse of the subprime mortgage market in late 2006 set in motion a chain reaction of economic and financial adversity that has spread to global financial markets, created depression-like conditions in the housing market, and pushed the U.S. economy to the brink of recession. In response, many in Congress and the executive branch have… Read more
WebMemo posted May 25, 2011 by David John Qualified Residential Mortgage Regulations Threaten the Housing Market
The housing market is still weak,[1] and federal regulators are considering a regulation that could make matters even worse. Known as the Qualified Residential Mortgage (QRM) rule, the draft rule could have the effect of requiring many home buyers to have at least a 20 percent down payment… Read more
Backgrounder posted July 12, 2011 by David John Free the Housing Finance Market from Fannie Mae and Freddie Mac
Abstract: Fannie Mae and Freddie Mac—the government-sponsored mortgage giants—must be shut down. Both entities distort the market by issuing mortgage-backed securities with subsidized government guarantees that the mortgages will be repaid. If such guarantees are necessary, they should be priced and issued by the… Read more
WebMemo posted November 21, 2011 by Nahid Anaraki Housing Finance: FHA and Lessons Learned from Fannie Mae and Freddie Mac
Congress passed a combined spending proposal (H.R. 2112) that includes an increase in the limits on mortgages held by the Federal Housing Administration (FHA), though Fannie Mae and Freddie Mac are left untouched. A forthcoming study by The Heritage Foundation demonstrates how federal intervention in the… Read more
WebMemo posted February 10, 2011 by David John End Fannie Mae and Freddie Mac to Build Tomorrow's Housing Finance System
The era of Fannie Mae and Freddie Mac is over, and it is time to formally close them down. The activities of the two government-sponsored enterprises (GSEs) played a major role in the 2008 financial crash and have so far cost taxpayers over $150 billion to cover their losses; more… Read more
WebMemo posted April 3, 2008 by Ronald Utt, Ph.D. Subprime Mortgage Problems: A Quick Tour Through the Rubble
The collapse of the subprime mortgage market in late 2006 set in motion a chain reaction of economic and financial adversity that has since spread to nearly all sectors of the economy, as well as to global financial markets, has created depression-like conditions in the housing market, and has led the American economy… Read more
WebMemo posted September 9, 2010 by Ronald Utt, Ph.D. Obama’s Emerging Housing Policy: Will Ideology Trump Opportunity?
Beginning in mid-summer 2010, the Obama Administration and its supporters initiated an outreach to the press to discuss some of the broad policy themes that could be included in the President’s ongoing transformational narrative on housing policy, whose details are expected to be revealed in early 2011. Although there have… Read more
Backgrounder posted August 11, 2010 by Ronald Utt, Ph.D. The President’s Worrisome Narrative to Discourage Homeownership
Abstract: There is no question that there is much wrong with America’s housing finance and homeownership market. There is much evidence to indicate that many of the costly efforts by the federal government to promote housing and homeownership were at best ineffective and at… Read more
WebMemo posted November 17, 2011 by David John Raising the FHA Loan Limit: A Step in the Wrong Direction
In one spectacularly misguided move, a House–Senate conference committee has taken a step that will expand the federal presence in the housing markets, preserve Fannie Mae and Freddie Mac, and damage the near-bankrupt Federal Housing Administration (FHA) in the name of helping the housing sector to recover. One small provision… Read more

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Center for Data Analysis Report posted February 8, 2012 by William Beach, Patrick Tyrrell The 2012 Index of Dependence on Government
Abstract: The great and calamitous fiscal trends of our time—dependence on government by an increasing portion of the American population, and soaring debt that threatens the financial integrity of the economy—worsened yet again in 2010 and 2011. The United States has long reached the… Read more
WebMemo posted January 31, 2012 by Ronald Utt, Ph.D. HUD’s Mandatory Minority Relocation Program
President Obama’s Department of Housing and Urban Development (HUD) is beginning to insidiously intrude in local housing policies in a concerted effort to require racial and economic integration in American communities. It started in 2009, when HUD began using a settlement between the county of Westchester in New York and… Read more
WebMemo posted November 21, 2011 by Nahid Anaraki Housing Finance: FHA and Lessons Learned from Fannie Mae and Freddie Mac
Congress passed a combined spending proposal (H.R. 2112) that includes an increase in the limits on mortgages held by the Federal Housing Administration (FHA), though Fannie Mae and Freddie Mac are left untouched. A forthcoming study by The Heritage Foundation demonstrates how federal intervention in the… Read more
WebMemo posted November 17, 2011 by David John Raising the FHA Loan Limit: A Step in the Wrong Direction
In one spectacularly misguided move, a House–Senate conference committee has taken a step that will expand the federal presence in the housing markets, preserve Fannie Mae and Freddie Mac, and damage the near-bankrupt Federal Housing Administration (FHA) in the name of helping the housing sector to recover. One small provision… Read more
Backgrounder posted July 12, 2011 by David John Free the Housing Finance Market from Fannie Mae and Freddie Mac
Abstract: Fannie Mae and Freddie Mac—the government-sponsored mortgage giants—must be shut down. Both entities distort the market by issuing mortgage-backed securities with subsidized government guarantees that the mortgages will be repaid. If such guarantees are necessary, they should be priced and issued by the… Read more
WebMemo posted May 25, 2011 by David John Qualified Residential Mortgage Regulations Threaten the Housing Market
The housing market is still weak,[1] and federal regulators are considering a regulation that could make matters even worse. Known as the Qualified Residential Mortgage (QRM) rule, the draft rule could have the effect of requiring many home buyers to have at least a 20 percent down payment… Read more
WebMemo posted February 24, 2011 by David John Housing Finance Reform: No Need for a New Fannie Mae and Freddie Mac
Given the task of producing a plan to develop a new housing finance system in light of the 2008 crisis and the failure of both Fannie Mae and Freddie Mac—a task that everyone agrees will be extremely complex—the Obama Administration decided to punt. Rather than one detailed plan, it produced… Read more
WebMemo posted February 10, 2011 by David John End Fannie Mae and Freddie Mac to Build Tomorrow's Housing Finance System
The era of Fannie Mae and Freddie Mac is over, and it is time to formally close them down. The activities of the two government-sponsored enterprises (GSEs) played a major role in the 2008 financial crash and have so far cost taxpayers over $150 billion to cover their losses; more… Read more
Backgrounder posted October 12, 2010 by Ronald Utt, Ph.D. Secretary Geithner’s Listening Tour on Housing Market Reform Comes to Washington
Abstract: Treasury Secretary Timothy Geithner recently held a meeting to discuss what the future housing finance system should do and look like. However, he discouraged discussion of what caused the crisis in the housing market. Regrettably, the consensus view from the panel called for… Read more
Backgrounder posted October 4, 2010 by Wendell Cox, Ronald Utt, Ph.D. The Lieberman–Kerry Cap and Trade Bill: Making Housing Less Affordable
Abstract: Proposed legislation would offer financial incentives to increase the population density of communities in an effort to reduce greenhouse gas emissions and energy use. However, the available evidence, which is admittedly limited, indicates that such “smart growth” policies are misguided, producing minimal results… Read more

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