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Who Will Receive Home Loans, and How Much Will They Pay?

June 2, 2016
Mortgage Lending
Research

The following blog post by Mike Calhoun and Sarah Wolff originally appeared on the Urban Institute’s Housing Policy Center: http://urbn.is/29rYamw

Any housing finance system’s ability to provide broad access and affordability is predicated on two factors: how prices are set and, equally importantly, how costs are distributed. Price is important to focus on for many reasons; chief among them is because price is a barrier to accessing mortgage credit. One way to see this operating is to look at the difference between what kinds of loans the government-sponsored enterprises say they will purchase based on their guidelines and the loans they actually purchased.

View the original blog post or download a copy with the link above.