Housing Finance

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Covering a housing or banking story today? Here’s the latest from the experts on the AEI financial services team.

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Peter Thiel, partner of Founders Fund, speaks during the panel discussion "In Tech We Trust? A Debate with Peter Thiel and Marc Andreessen" at the Milken Institute Global Conference in Beverly Hills, California April 29, 2013.  Reuters

The year 1914 was a flexion point in history. Is Thiel right in supposing, or fearing, that 2007 was a flexion point too? There are unsettling indications that the answer is yes.

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In order to revive the private secondary-mortgage market, Congress instructed the FHFA to raise the fees, told the agency how to do it, and gave the agency a 2013 deadline. That deadline is long past. It is time for the FHFA to obey the law.

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It should be a deeply sobering thought for Americans that the U.S. housing finance sector has collapsed twice in the last three decades.

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Repeating the method of the early 1990s, the government is currently saying to loosen credit, give loans to people that may potentially not be able afford them, and that everything will be fine since house prices will go up. The result of such actions, however, is increasing the risk of having another housing bubble.

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After 25 years of affordable housing policies, the U.S. homeownership rate is back to where it was in 1990.

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The Financial Stability Oversight Council cannot possibly fulfill its assignment from Congress.

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We’re joined this week by AEI Financial Policy Fellow Peter Wallison, who walks us through what led up to the 2008 financial crisis, who is to blame, and what needs to happen (or not happen) to prevent another crash.

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The causes of the 2008 market crash are examined. The policies that created risky mortgages in 2008 are still in effect which creates the opportunity for another market collapse today.

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With the latest edition of the National Mortgage Risk Index (NMRI) showing that bad practices are coming back, the Wealth Building Home Loan is a safer alternative to the traditional 30-year mortgage.

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