2005, 2008, 2014 and Sustainability - Public Administration Today

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2005

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2014

Sustainability

Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

APRIL 29, 2024

The ten-year average from 2014 to 2023 was 6.4 Of note, during the height of the bubble (2005 and 2006), the average downpayment by an FTHB actually decreased to just two percent. Of note, during the height of the bubble (2005 and 2006), the average downpayment by an FTHB actually decreased to just two percent.

Housing

Housing Regulations 2007 Article

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

MAY 31, 2023

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008.

Government

Government 2008 Housing Implementation

Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

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