Fannie Mae Working Papers

The Shifting Determinants of Young-Adult Homeownership Before and After the Great Recession

March 30, 2017

In the most recent report from their ongoing study of young-adult homeownership, University of Southern California researchers explore the effects of young adults' race, education, income, and wealth on their homeownership attainment in the pre- and post-recession periods, independent of the socioeconomic status of their parents.
Read more»

Opportunities to Improve the Value of Appraisals

October 28, 2016

In two papers from Fannie Mae, we consider the issues of appraisal integrity and borrower protection.
Read more»

Rural Mortgage Lending Over the Last Decade

October 27, 2016

Data provides insights into the rural single-family conventional mortgage market, including the key differences between urban and rural borrower attributes, property attributes, and loan characteristics.
Read more»

Housing Market Effects of Appraising Below Contract

June 7, 2016

A new Fannie Mae Housing White Paper studies the causes and impacts of low appraisals relative to contract prices for potential purchase transactions.
Read more»

Housing Affordability Update

November 12, 2015

The analysis focuses on housing affordability in terms of households' ability to cover housing costs at given income levels, as opposed to households' ability to access mortgage credit.
Read more»