The Housing Finance System in the United States

Adrian Borges (Editor)

Series: Housing Issues, Laws and Programs, Financial Institutions and Services
BISAC: LAW047000

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Volume 10

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Special issue: Resilience in breaking the cycle of children’s environmental health disparities
Edited by I Leslie Rubin, Robert J Geller, Abby Mutic, Benjamin A Gitterman, Nathan Mutic, Wayne Garfinkel, Claire D Coles, Kurt Martinuzzi, and Joav Merrick

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When making a decision about housing, a household must choose between renting and owning. Multiple factors, such as a household’s financial status and expectations about the future, will influence the decision. Few that decide to purchase a home have the necessary savings or available financial resources to make the purchase on their own. Most need to take out a loan. A loan that uses real estate as collateral is typically referred to as a mortgage.

Historically, the government has played an important role in the housing finance system providing both support to the system and regulation of it. The housing finance system has two major components: a primary market and a secondary market. Lenders make new loans in the primary market, and loans are bought and sold in the secondary market. This book provides an overview of how the housing finance system works and provides context for housing finance-related policy issues that Congress might choose to consider. (Imprint: Novinka )

Preface

An Overview of the Housing Finance System in the United States
(Sean M. Hoskins, Katie Jones, N. Eric Weiss, CRS)

Revisiting Mortgage Loan Disclosures Under the Consumer Financial Protection Bureau
(Darryl E. Getter, Sean M. Hoskins, CRS)

FHA-Insured Home Loans: An Overview
(Katie Jones, CRS)

The Conforming Loan Limit
(N. Eric Weiss, Mark Jickling, CRS)

GSEs and the Government’s Role in Housing Finance: Issues for the 113th Congress
(N. Eric Weiss, CRS)

Index

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