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Homeownership: Patterns, Trends, and Policies

John C. Weicher

Discussion of a “housing bubble” has diverted attention from significant changes in the housing and mortgage markets that have resulted in unprecedented changes in housing tenure. This paper describes the current homeownership picture and the reasons for the increase in ownership. It then discusses various federal policy initiatives to increase homeownership, concluding with recent efforts intended to encourage the Government-Sponsored Enterprises to refocus their activities toward serving first-time homebuyers.

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