Housing Center Current and Past Research and Media Mentions

Media Mentions

12/2/2022- Fortune: Home Prices are Down in Every One of the Top 58 Metros According to the Latest AEI Data. But Cities in this Region Have Taken the Biggest Hit so Far.
8/26/2022- Fortune: California Rolls Out a Daring New Housing Policy to Combat High Home Prices and Increase Supply
8/25/2022 – Fortune: Where Will Housing Prices End 2022? New Data Predicts a 4% Drop in 5 Months—and Homes with These Two Characteristics Will Be Hardest Hit
8/03/2022- Fortune: Housing prices are cooling fast—and it’s hitting these homes the hardest
7/30/2022- Fortune: New housing market data reveals a stunning shift as these 21 of the top 50 metro areas show price declines for June
6/26/2022 – The housing market is weakening fast—but there are no signs yet that a 2008-style crash is coming
6/6/2022 – Fortune: How fast will the housing market cool? Projections for 48 metro areas show when prices will start to fall
4/28/2022 – Fortune: Mortgage rates just turned ‘negative’ when adjusted for inflation—and that could keep powering the housing market boom
4/15/2022 – Fortune: This is not the 2008 housing bubble all over again—but a little-known metric can tell us when the next crash is coming
2/17/2022 – Fortune: Home prices set to soar 12% in 2022 says a top forecaster: ‘No end in sight’
2/16/2022 – Fortune: There’s a vastly overlooked factor that’s stoking record inflation: Rich people
2/14/2022 – Mortgage Note: Falling in love with homes to have your heart broken? Here’s some advice
2/04/2022 – Wall Street Journal: Buying a first home costs more than you think, especially now
1/20/2022 – Realtor.com: Biden’s first year: Has the President succeeded—or failed—in fixing the housing market?
1/20/2022 – Fortune: The housing boom isn’t over yet, predicts a top analyst who sees a 12% increase this year
11/28/2021 – Realtor.com: Has the Housing Market Peaked? That May Depend on Where You Live
11/16/201 – Wall Street Journal: A housing gift for Beverly Hills
11/07/2021 – Wolf Street: What’s happening with the massive delinquencies of FHA high risk & subprime mortgages now that foreclosure bans ended?
11/03/2021 – Mortgage Research Center: Fed begins exiting mortgage market, ending ‘punch bowl’ days
11/01/2021 – Fortune: 2022 home prices will keep rising at or near double digits, predicts the analyst who called the current housing boom
10/24/2021 – Wall Street Journal: Home Prices Rise, and Single People Are Running Out of Houses to Buy
10/20/2021 – Los Angeles Times: Hot, hot, hot … warm: SoCal home values hit new record, but price rises are slowing
10/15/2021 – MarketWatch: Tesla’s moving to Austin, Texas, for cheap housing — and could come up short for would-be employees
10/15/2021 – Realtor.com: Could 20-year, low-interest mortgages help first-time homebuyers?
10/1/2021 – Mortgage Note: Racial bias in mortgage biz? New data says no, researchers find
9/29/2021 – Los Angeles Times: How the pandemic helped scatter $1-million homes across L.A.
9/28/2021 – WXXI News: A new housing regulator could make the American dream more accessible for millions
9/28/2021 – National Mortgage News: Digital home valuations have hit an inflection point. What’s next?
9/13/2021 – Capital Record: A look under the hood of housing
8/27/2021 – Bloomberg: Manhattan’s Once-Prized Walkable Areas Miss Out on Housing Boom
8/10/2021 – South Florida Business Journal: South Florida home prices are only going up. What does it mean for underrepresented homebuyers?
8/2/2021 – HousingWire: FHA, FHFA re-up eviction bans at Biden’s urging
7/21/2021 – Wall Street Journal: For Home Buyers, Length of Commute Drops in Importance, New Data Shows
7/15/2021 – Bloomberg: Yellen, Powell to Discuss Financial Risks of Hot Home Market
7/13/2021 – St. Louis Post-Dispatch: Expect housing prices to keep rising — post-pandemic gains are no bubble, expert says
7/9/2021 – Seattle Real Estate Podcast, New Geography: After an astounding rise in home prices, this expert predicts the boom will continue
7/9/2021 – Inman, Realty Biz News, National Mortgage News: 10 metros most threatened by high numbers of FHA delinquencies
7/8/2021 – Zero Hedge: Millennials Face Another Housing Market Challenge, As Supply Of Starter Homes Dries Up
7/8/2021 – Business Insider: The ‘Great American Land Rush’ is wiping out the starter home
7/7/2021 – MarketWatch: These are the cities with the biggest share of homeowners in danger of foreclosure
7/6/2021 – Wall Street Journal: For Some Millennials, a Starter Home Is Hard to Find
6/25/2021 – Fortune.com: After an astounding rise in home prices, this expert predicts the boom will continue

Comment Letters, Testimony, and Working Papers

7/15/2022- Government Policies Are Responsible for the American Housing Crisis That Is Crowding Lower Income Households out of the Housing Market
3/29/2022 – Testimony: Faulty evidence and misdiagnosed solutions
2/10/2022 – Testimony: How the Federal Government’s policies are crowding out lower income Americans out of the housing market
11/10/2021 – Comment letter on the FHFA’s Proposed Amendments to its Enterprise Regulatory Capital Framework
9/16/2021 – FHFA Capital Rule Listening Session: Using Accessory Dwelling Units to Increase Housing Supply
4/14/2021 – Report: Another Bad Idea: Fannie and Freddie as Utilities
4/13/2021 – Testimony: How the Federal Government’s Policies Have Helped to Make Housing Outcomes Separate and Unequal
4/5/2021 – Comment letter on the QM Loan Definition: Delay of Mandatory Compliance Date
3/16/2021 – Testimony: The Paradox of Accessible Lending
3/1/2021 – Response to FHFA’s Advance Notice of Proposed Rulemaking: Enterprise Housing Goals
2/26/2021 – Response to FHFA’s Request for Input on Appraisal Related Policies, Practices, and Processes
1/4/2021 – How Common is Appraiser Racial Bias?
10/28/2020 – The price of residential land for counties, ZIP codes, and census tracts in the United States
9/2/2020 – Comment letter: The CFPB’s notice of proposed rulemaking — qualified mortgage definition
8/28/2020 – Comment letter: Fannie and Freddie’s regulatory capital framework
3/16/2020 – Affirmatively Furthering Fair Housing (AFFH): HUD can use housing market data to inform fair housing accountability
1/31/2020 – Comment letter on eliminating regulatory barriers to affordable housing
9/26/2019 – Comment Letter on HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard
9/18/2019 – Comment Letter on the Qualified Mortgage Definition
2/11/2019 – A quarter century of mortgage risk
11/16/2018 – Comment letter to FHFA: Enterprise Capital Requirements
10/17/2018 – Comment letter to HUD: Affirmatively Furthering Fair Housing
1/8/2018 – The impact of federal housing policy on housing demand and homeownership: Evidence from a quasi-experiment
12/5/2017 – The Wealth Building Home Loan
6/9/2017 – Residential land values in the Washington, DC metro area: New insights from big data
1/28/2016 – Residential land values in the Washington, DC metro area: New insights from big data
5/21/2014 – House prices and land prices under the microscope: a property-level analysis for the Washington, DC area
10/30/2013 – Comment on the proposed Credit Risk Retention Rule
12/20/2012 – Time-to-plan lags for commercial construction projects
7/31/2012 – Swings in commercial and residential land prices in the United States

Briefings

Housing Market Indicator Briefings and Special Briefings

Conferences

5/10/23- Good Neighbors: Using Housing Data to Reframe Homelessness
11/30/22- 11th Annual AEI Housing Conference
11/19/2021 – 10th Annual AEI Housing Conference
10/7/2020 – 9th Annual AEI Housing Conference
10/23/2019 – 8th Annual AEI-CRN Housing Conference Recap
10/24/2018 – 7th Annual AEI-CRN Housing Conference Recap
9/14/2018 – Conference on the 10th Anniversary of the 2008 Financial Crisis
10/11/2017 – 6th Annual AEI-CRN Housing Conference Recap
10/5/2016 – 5th Annual AEI-CRN Housing Conference Recap, sponsored by FICO
10/4/2016 – First Annual AEI Conference on Economical, Workforce, and Entry-level Housing, sponsored by the National Multifamily Housing Council
10/28/2015 – 4th Annual International Conference on Housing Risk
9/17/2014 – 3rd International Conference on Housing Risk
8/1/2013 – International Conference on Collateral Risk

Home Price Appreciation Releases

7/21/2023 – National Home Price Appreciation (HPA) Index – June 2023
6/23/2023 – National Home Price Appreciation (HPA) Index – May 2023
5/22/2023 – National Home Price Appreciation (HPA) Index – April 2023
4/24/2023 – National Home Price Appreciation (HPA) Index – March 2023
3/23/2023 – National Home Price Appreciation (HPA) Index – February 2023
2/28/2023 – National Home Price Appreciation (HPA) Index – January 2023
1/25/2023 – National Home Price Appreciation (HPA) Index – December 2022
12/22/2022 – National Home Price Appreciation (HPA) Index – November 2022
11/23/2022 – National Home Price Appreciation (HPA) Index – October 2022
10/20/2022 – National Home Price Appreciation (HPA) Index – September 2022
9/26/2022 – National Home Price Appreciation (HPA) Index – August 2022
8/22/2022 – National Home Price Appreciation (HPA) Index – July 2022
6/21/2022 – National Home Price Appreciation (HPA) Index – May 2022
5/25/2022 – National Home Price Appreciation (HPA) Index – April 2022
4/20/2022 – National Home Price Appreciation (HPA) Index – March 2022
3/24/2022 – National Home Price Appreciation (HPA) Index – February 2022
2/22/2022 – National Home Price Appreciation (HPA) Index – January 2022
1/26/2022 – National Home Price Appreciation (HPA) Index – December 2021
12/22/2021 – National Home Price Appreciation (HPA) Index – November 2021
11/24/2021 – National Home Price Appreciation (HPA) Index – October 2021
10/27/2021 – National Home Price Appreciation (HPA) Index – September 2021
9/23/2021 – National Home Price Appreciation (HPA) Index – August 2021
8/26/2021 – National Home Price Appreciation (HPA) Index – July 2021
7/22/2021 – National Home Price Appreciation (HPA) Index – June 2021
6/24/2021 – National Home Price Appreciation (HPA) Index – May 2021
6/4/2021 – National Home Price Appreciation (HPA) Index – April 2021
4/26/2021 – National Home Price Appreciation (HPA) Index – March 2021
3/29/2021 – National Home Price Appreciation (HPA) Index – February 2021
3/3/2021 – National Home Price Appreciation (HPA) Index – January 2021
2/3/2021 – National Home Price Appreciation (HPA) Index – December 2020
1/6/2021 – National Home Price Appreciation (HPA) Index – November 2020
10/26/2020 – National Home Price Appreciation (HPA) Index – September 2020
9/23/2020 – National Home Price Appreciation (HPA) Index – August 2020
8/31/2020 – Press Release: AEI Housing Center National Home Price Appreciation Index for July 2020
8/29/2020 – Press Release: House Price Appreciation Index and Months’ Inventory Report
6/25/2019 – AEI Home Price Appreciation Index and market conditions report — June 2019

Nowcasts

Reports

Articles, Op-Eds, and Blog Posts

7/18/2023 – Yet more absurdities in Biden’s housing policy
5/22/2023 – Biden Courts Another Mortgage Crisis
2/22/2023- Another Pointless Government Mortgage Pricing War Begins
9/02/2022- Light Touch Density: The Key to Stopping the Tide of Departing Californians
9/01/2022- Housing Market by the Numbers – One Key Indicator of Home Price Trends
8/05/2022- Housing Market by the Numbers – Where are Home Prices Falling?
7/13/2022- Does Our Solution Lie In Tokyo?
3/29/2022 – A wasted opportunity to improve housing outcomes for minorities
2/03/2022 – California’s free-market housing fix
12/20/2021 – Federal housing regulators have learned and forgotten everything
9/30/2021 – Political disasters in US housing: The lessons of history
9/6/2021 – The next housing bust
6/7/2021 – How the pandemic could transform how and where we live
2/12/2021 – HUD should put entry-level homebuyers first, not special interest groups
12/1/2020 – How federal housing policies hurt borrowers of color
9/16/2020 – FHFA Capital Rule Listening Session: Affordable Housing Access
9/14/2020 – New Research Confirms the Benefits of “Light Touch” Density
9/9/2020 – HUD’s September 4, 2020 rule on disparate impact is an historic and positive change
9/9/2020 – Take Fannie and Freddie’s arguments against FHFA’s proposed higher capital requirements with a grain of salt
8/31/2020 – The Fed’s spiked punch bowl, ad infinitum
8/26/2020 – The Great American Land Rush of 2020
6/8/2020 – Why the pandemic isn’t scaring away first-time homebuyers
5/20/2020 – Embracing facts over fear: Coronavirus in life years
5/1/2020 – Flash: AEI estimates 4.2 million loans are already in forbearance as of April month end
4/27/2020 – Connecting the dots on home builders with the greatest COVID-19 risk
2/4/2020 – Mortgage default risk: A better replacement for the QM rule’s debt-to-income ratios than the APOR rate spread
1/6/2020 – Are baby boomers ruining the housing market for everybody else?
1/2/2020 – Count and default rate comparison for GSE purchase loans
1/2/2020 – GSE investors better beware underlying risks
12/11/2019 – Release: New Carpenter Index developed by AEI Housing Center
12/11/2019 – Press Release: They Can Build It, But Can They Afford It? New “Carpenter Index” Calculates Affordability For Entry-Level Buyers
12/10/2019 – To solve the problem of unaffordable entry-level housing, abolish single-family zoning
11/22/2019 – Mapping a new generation of veterans: AEI’s interactive report offers insight into where US veterans live and work
9/17/2019 – New Construction Identification, Housing Supply Changes, and Home Prices
8/22/2019 – The QM patch: The seen, unseen, and foreseeable
8/21/2019 – Taxpayers are the GSEs’ true stockholders
8/19/2019 – Connecting the Dots on FHA’s New Condo Rule
8/3/2019 – Even Federal Reserve Chairman Jerome Powell is missing the real problems with America’s housing market
7/22/2019 – The facts demonstrate that Fannie and Freddie were not “lazy competitors” before seizure
7/9/2019 – Connecting the dots: A better framework to analyze the housing market
6/14/2019 – The housing lobby’s APOR solution is fatally flawed
5/31/2019 – Don’t hand Fannie, Freddie over to the Fed
5/28/2019 – Op-ed on the president’s memorandum on housing reform
5/9/2019 – The looming threats from today’s ‘improved’ mortgage manufacturing process
5/7/2019 – Dear CFPB: Let the QM ‘patch’ expire
4/22/2019 – Why the universal use of the 30-year mortgage is dangerous
4/5/2019 – The coming Trump housing crisis
3/26/2019 – Fannie and Freddie are way too big
3/12/2019 – Charts of the week: FHA buyers see Housing Debt Outpace Income Growth
3/7/2019 – Letting the qualified mortgage ‘patch’ expire will help first-time buyers
3/6/2019 – Taxpayer and Home Buyer Protection Housing Finance Plan
3/5/2019 – More of the Same from 28 Members of the Housing Lobby as They Opine on How the GSEs Help “Preserve Access and Affordability”
3/4/2019 – Charts of the week: Similarities between Berkshire Hathaway and the highly leveraged entry level housing market
3/1/2019 – Analysis of the BCFP’s (CFPB’s) temporary Qualified Mortgage category announced in January 2013, commonly known as the “Patch”
2/28/2019 – Protect First Time Buyers and Taxpayers. Let the “Patch” Expire
2/28/1029 – AEI’s Charts of the Week: History Repeats Itself with the (Quiet) Battle for Subprime Loans Among Government Mortgage Giants
1/10/2019 – Amazon’s HQ2 search should inform millennial housing search
12/12/2018 – Connecting the dots on home builder performance
12/5/2018 – Risk is building in the housing market
10/25/2018 – Banter #335: Lynn Fisher on affordable housing and US housing markets
10/3/2018 – Discussing affordable housing legislation: Fisher on Marketplace Radio
9/6/2018 – Testimony: How a decade without GSE reform has once again put taxpayers at risk
8/17/2018 – An administrative approach to reducing GSEs’ and FHA’s footprint
8/16/2018 – How HUD can help the housing market
8/16/2018 – The Blob’: Should Fannie Mae and Freddie Mac be shrinking or expanding their activities?
7/23/2018 – 5 questions for Lynn Fisher on America’s housing crisis
7/21/2018 – The factors impacting housing trends
7/20/2018 – What is driving America’s housing crisis? A long-read Q&A with Lynn Fisher
7/17/2018 – Booming housing market today presents serious risk for future
6/27/2018 – FHFA needs to curb Fannie and Freddie’s insatiable appetites
6/6/2018 – Adding credit, but too little housing supply, doesn’t help in boom-time
6/1/2018 – The government creates another housing bubble
4/18/2018 – AEI welcomes Dr. Lynn Fisher as new housing center codirector
4/12/2018 – Regulators are fueling another housing boom
3/20/2018 – Don’t let the 30-year mortgage sway housing policy
2/27/2018 – Eliminate Fannie Mae and Freddie Mac
2/26/2018 – FHA premium cut would make homes less affordable, not more
2/13/2018 – The high cost of ‘affordable housing’ mandates
1/18/2018 – Do NJ homeowners pay too much?
12/4/2017 – To spur homeownership, stop subsidizing it
11/17/2017 – A duopsony built around rent-seeking
11/2/2017 – Realtors & homebuilders put profits over middle class
5/17/2017 – It’s time for Congress to get the facts straight on housing finance
4/25/2017 – Is owning a home a good investment?
2/23/2017 – Cutting FHA’s Mortgage Insurance Premium: Not a Good Idea
1/30/2017 – What to make of suspending the FHA mortgage insurance premium cut
1/27/2017 – The full story behind the FHA annual mortgage insurance premium cut suspension
1/27/2017 – Discussing President Trump’s suspension of home loan fees: Pinto on NPR’s ‘Morning Edition’
11/15/2016 – Are economics-free zones the source of secular stagnation?
10/13/2016 – A solution to the housing supply problem
10/5/2016 – ‘The Great Debate: Is Credit Loose?’
10/5/2016 – Credit liberalization in a seller’s market—FHA’s 2015 mortgage insurance premium cut
10/5/2016 – Risky mortgage lending and the boom/bust cycle in land prices in Washington, DC metro area
10/5/2016 – National Mortgage Risk Index (NMRI) slide presentation at Fifth annual AEI and CRN conference on housing risk, sponsored by FICO
10/4/2016 – Economical rental housing for communities that work
10/3/2016 – The role of community in economical rental housing by design for communities that work
9/29/2016 – Economical rental housing by design for communities that work
9/21/2016 – Testimony: Restoring the trust for homebuyers and renters
7/22/2016 – How can we increase the supply of housing for service workers?
7/18/2016 – Market-based solutions are the only way to get home prices and rents back in line
5/27/2016 – It’s time to put the market back in housing finance
4/26/2016 – The 30-year fixed mortgage should disappear
4/11/2016 – The coming transformation of South LA and Inglewood: A community forum
2/10/2016 – The 30-year fixed-rate mortgage should be laid to rest
2/9/2016 – Housing finance’s two punch bowls by the federal government should be removed
2/5/2016 – Why the 20-Year mortgage is the answer to housing finance mess

Events

9/19/22- Increasing California Housing Supply with SB-9 and SB-10
7/12/2018 – Should Fannie Mae and Freddie Mac be shrinking or expanding their activities?
2/27/2018 – Eliminating Fannie Mae and Freddie Mac without legislation
4/6/2017 – Online Event: Conference on Housing Affordability, presented by the American Enterprise Institute, Bank of Israel, Board of Governors of the Federal Reserve System, Tel Aviv University, and UCLA 4/6/17-4/7/17
12/15/2016 – This way up: Economic mobility for poor and middle-class Americans
11/15/2016 – Alan Greenspan on causes and implications of secular stagnation and, possibly, stagflation
12/12/2014 – The Federal Housing Administration from 1934 to 1938: Lessons for wealth building
12/10/2013 – HUD’s ‘Fair Housing’ Assault on Local Communities
7/18/2013 – A privatized multifamily financing market: GSE reorganization without guarantees
6/20/2013 – Rethinking the FHA: An AEI-CAP discussion
3/14/2013 – Multifamily housing finance reform: Eliminating the federal guarantee
10/24/2012 – The fateful history of Fannie Mae: New Deal birth to mortgage crisis fall
8/9/2012 – Reengineering the appraisal: A return to market fundamentals
6/27/2012 – Fannie Mae and Freddie Mac: Turning the American dream into a nightmare
6/14/2012 – Which way out? Confronting the problems of student loans
1/25/2012 – Selling hope, delivering harm: How the FHA sets up working-class families for failure
1/23/2012 – State of the Union Policy Series
12/9/2011 – Is the FHA the Next Housing Bailout?
11/16/2011 – A New Lease on Loans: Ideas for Multifamily Housing Reform
3/24/2011 – Taking the Government out of Housing Finance
1/20/2011 – Four Principles to End Housing Bailouts and Eliminate the GSEs
10/14/2010 – What Have They Done? Implications of the Dodd-Frank Act
1/16/2009 – How Serious Is the Mortgage Problem That Will Confront President Obama?

2015 and Older

10/26/2015 – Wealth building for the 21st Century
10/26/2015 – Fifty years of housing policy failure
10/22/2015 – Unaffordable Affordable Housing
9/25/2015 – Did Chase Mortgage CEO get it wrong to call FHA lending subprime?
9/15/2015 – GAO report on mortgage reforms fails to address impact of QM and QRM
9/10/2015 – A better mortgage loan
9/9/2015 – Americans deserve a better housing policy for the 21st century
9/9/2015 – Appraisal Theory: Back to the Fundamentals
9/5/2015 – Wealth Building Home Loan Frequently Asked Questions
8/21/2015 – Federal Housing Finance Agency requires Fannie and Freddie to expand misguided affordable housing mandates
6/25/2015 – When is a price cut not a price cut?
6/24/2015 – Housing finance fact or fiction? FHA pioneered the 30-year fixed rate mortgage during the Great Depression?
6/22/2015 – FHA is all about moral hazard
5/19/2015 – The myth that mortgage credit is really tight
3/27/2015 – Is the government creating another housing bubble? Pinto on Fox Business Network’s ‘Stossel’
3/2/2015 – Going back home
2/10/2015 – Why borrowers would be more secure with a Wealth-Building Home Loan
1/29/2015 – Building toward another mortgage meltdown
1/6/2015 – Three Studies of Subprime and Alt-A Loans in the US Mortgage Market
12/3/2014 – Press Release: AEI’s International Center on Housing Risk announces first release of First-Time Buyer Mortgage Share Index (FBMSI)
10/30/2014 – Like buying a house and renting it to yourself
10/28/2014 – A loan to help homeowners build equity fast
10/19/2015 – Risk continues to increase for first-time buyers
10/6/2014 – Time to amend the HMDA’s reporting requirements
10/3/2014 – Creating more homeowners without building a crisis
9/23/2014 – Mortgage risk update shows increase in first-time buyer risk
9/17/2014 – A straight path to wealth and debt-free homeownership
9/15/2014 – Rave reviews for Wealth Building Home Loan
9/8/2014 – Wealth building home loans at American Mortgage Conference: Pinto on News14 Triangle-Raleigh, NC
9/8/2014 – Wealth Building Home Loan: Building wealth through homeownership and retirement savings
9/8/2014 – The Wealth Building Home Loan: Providing homebuyers a straight, broad highway to building wealth
8/14/2014 – Discussing delinquent mortgage: Pinto on Fox Business’ “After the Bell”
6/26/2014 – The state of housing finance in the United States
5/28/2014 – Get ready for the subprime mortgage crack-up 2.0
12/5/2014 – The Wealth Building Home Loan: Pinto on Mortgage News Network’s ‘The Housing Show’
5/7/2014 – Home buyers: Proceed with caution
5/6/2014 – The past, present, and future of Fannie Mae, Freddie Mac, and FHA
4/30/2014 – Homebuyers: Proceed with caution
4/23/2014 – A new housing bubble?
3/28/2014 – A historical perspective on the appraisal theory and practice in the United States
3/27/2014 – Housing risk high in spite of Qualified Mortgage rule
3/24/2014 – Why the Johnson and Crapo ‘Taxpayer Protection Act’ will not protect taxpayers
3/14/2014 – The future of the secondary market: A straight, broad highway to debt-free ownership for low-income and minority home buyers
3/12/2014 – Johnson and Crapo plan will not protect taxpayers
3/7/2014 – Senator Warren Gets Taken In by a False Analysis
2/27/2014 – Is today a good time to buy?
2/26/2014 – Housing Risk Watch, February 2014
2/14/2014 – Wells Fargo and subprime loans
2/12/2014 – The devolution of appraisal theory and practice
2/6/2014 – The great housing boom and bust: Lessons relearned
2/4/2014 – A new safer subprime?
1/29/2014 – Homeownership and the State of the Union
1/28/2014 – Housing Risk Watch, January 2014
1/23/2014 – The NAR reports existing Home Sales for December
1/23/2014 – Five challenges facing the American economy in 2014
12/17/2013 – INFOGRAPHIC: Who’s looking out for homebuyers?
12/16/2013 – FHA’s 2013 Actuarial Study: Another year of rosy scenarios
12/16/2013 – FHA’s 2013 actuarial study: Another year of rosy scenarios
12/12/2013 – A history of political interference leading to weakened lending standards
12/5/2013 – The FHA does not produce sustainable homeownership
11/25/2013 – How “mortgage” became just another word for trouble
11/20/2013 – The FHA is a predatory lender
11/12/2013 – The course of empire: A retrospective on the US housing crisis
11/7/2013 – FHA & NAR: Working to expand the subprime credit box
10/30/2013 – House Prices and Fundamentals Under the Microscope
10/14/2013 – The case for hostage-taking
10/10/2013 – Massive increases in leverage combined with flawed property valuation practices responsible for home price boom-bust
10/8/2013 – Too many Americans are in homes they can’t afford
9/27/2013 – FHA accepts bailout
9/10/2013 – Road to FHA reform: Back to basics
8/28/2013 – A Qualified Residential Mortgage ≠ a Qualified Mortgage
8/17/2013 – Seeking shelter
8/13/2013 – Government mortgage guarantees lead to bailouts
7/31/2013 – Housing finance reform: Fool me once, shame on you; fool me twice, shame on me
6/20/2013 – Overzealous intervention dooms the market
6/4/2013 – Undisclosed stress test shows FHA could lose $115 billion
5/3/2013 – Five myths about the Federal Housing Administration
5/1/2013 – President Obama to nominate Rep. Mel Watt as the director of the Federal Housing Finance Agency
4/30/2013 – Privatizing Fannie: Déjà vu all over again
4/26/2013 – Let’s not repeat the same mistakes that led to the housing bubble
4/12/2013 – How Robin Kelly can ease Illinois’ pain
4/9/2013 – Is the Fed blowing a new housing bubble?
3/18/2013 – Has the mortgage tax deduction outlived its usefulness?
3/11/2013 – FHA Reform: Past, present, and future
3/11/2013 – Realty, Unreality: Are low appraisal values a problem in housing?
3/3/2013 – New Qualified Mortgage rule setting us up for another meltdown
3/1/2013 – FHA: Reform or illusion of reform?
3/1/2013 – FHA fumbles
2/28/2013 – National Association of Realtors continues to oppose FHA reform
2/26/2013 – The devil is in the details part II: Regulators mull making the QRM definition identical to CFPB’s new ‘Qualified Mortgage’ rule
2/14/2013 – How could FHA have contributed to the housing bust?
2/13/2013 – The real facts about the FHA
2/11/2013 – The facts on the National Association of Realtors (NAR)
2/6/2013 – National Association of Realtors tries to present FHA myths as ‘facts’
2/6/2013 – Testimony on dangers posed by FHA
2/6/2013 – Examining the proper role of the Federal Housing Administration in our mortgage insurance market
2/4/2013 – Dodd-Frank creates a bizarro world of housing finance
1/31/2013 – State of the FHA
1/17/2013 – How long did it take to plan that building?
1/11/2013 – CFPB’s mortgage regulations grandfathers FHA’s risky loan practices
1/10/2013 – CFPB’s new ‘qualified mortgage’ rule: The devil is in the details
12/27/2012 – The FHA: A home wrecker
12/26/2012 – Who is the Scrooge?
12/26/2012 – FHA: 60 years of mission failure
12/17/2012 – Would the FHA Fiscal Solvency Act of 2012 make fundamental reform more or less likely?
12/14/2012 – Mission misfire: 50 years of failure at the FHA
12/13/2012 – How the FHA hurts working-class families and communities
12/13/2012 – New study shows devastating foreclosures on the rise
12/13/2012 – New report shows a housing nightmare at FHA
12/13/2012 – Exclusive study reveals how agency policies are backfiring, setting working class families up to fail
11/20/2012 – Government keeps meddling in the housing market
11/16/2012 – FHA WATCH Update: FHA 2012 Actuarial Study is DOA
11/16/2012 – The next housing bailout? Big trouble brewing at the FHA
11/16/2012 – How to fix the Federal Housing Administration
11/6/2012 – Moving the market forward: Principles for returning FHA to its traditional mission
10/16/2012 – Pinto: Housing market still facing slow and painful recovery
9/17/2012 – The great land price swing
9/12/2012 – Moving the housing market forward: Principles for returning FHA to its traditional mission
8/15/2012 – Crime scene investigation: The premeditated assault on the prime mortgage
7/25/2012 – Reengineering the appraisal: A return to market fundamentals
7/25/2012 – Helping underwater borrowers current on their payments get above water
7/8/2012 – Seizing home loans through eminent domain: More like grand theft mortgage than a silver bullet
7/1/2012 – Opposing view: Don’t rely on refinancing
6/20/2012 – Pinto: housing recovery is weak despite increase in builder permits
6/14/2012 – Which way out? A speech on confronting the problems of student loans by Ed Pinto
4/26/2012 – Free Fall: How Government Policies Brought Down the Housing Market
3/30/2012 – Actually, the affordable housing push did cause the subprime crisis
3/20/2012 – Truth in government lending is long overdue
3/19/2012 – Failure to Recover: The State of Housing Markets, Mortgage Servicing Practices, and Foreclosures
2/27/2012 – The FHA and USDA divisions of Government Mortgage flunk the marshmallow test
2/13/2012 – Why the National Association of Realtors ignores the reality of FHA’s insolvency
1/27/2012 – The State of FHA
1/26/2012 – 5 reasons President Obama’s mass refinance plan deserves to be a non-starter
1/25/2012 – Reengineering the appraisal: a return to fundamentals
1/23/2012 – 3 reasons the FHA is a bigger threat to our economy than you realize
1/19/2012 – FHA Bailout: Costing Billions, Coming Soon
1/19/2012 – The hidden cost of free money
1/19/2012 – Bet the house: why the FHA is going (for) broke
1/12/2012 – How Fannie, Freddie and politicians caused the crisis
1/12/2012 – Rolling the Housing Dice, Again!
1/5/2012 – GSE affordable housing goals: politicized credit allocation
12/27/2011 – Why the Left Is Losing the Argument over the Financial Crisis
12/27/2011 – Could 30 Year Mortgages Cause a New Bubble?
12/23/2011 – New bubble may be building in 30-year mortgages
12/20/2011 – Cleaning House: The Financial Crisis and the GSEs
12/9/2011 – AEI’s Ed Pinto’s slides: Is FHA the Next Housing Bailout?
12/2/2011 – AEI Housing Expert Ed Pinto on FHA’s Deteriorating Condition
11/18/2011 – If not, when? Bad move to bring back higher loan limits
11/16/2011 – FHA’s 2011 Actuarial Review: A Combination of Rosy Scenarios and Mission Creep
11/15/2011 – Why raising FHA’s loan limits is a terrible idea
11/4/2011 – Quick primer: Origins of the housing crisis
11/4/2011 – Conforming loan limits–How will an increase impact the economy?
11/1/2011 – Senate Undermines Obama—and the Country—on Housing
10/26/2011 – Housing affordability: US is the envy of the developed world
9/20/2011 – American Housing Finance: Learning from the Past, Building for the Future
9/15/2011 – Not So Prime After All: Countrywide Claimed to be Predominantly a Prime Lender
9/14/2011 – Government Housing Policy: The Sine Qua Non of the Financial Crisis
6/29/2011 – Angelides Ignores Two Elephants in the Room
6/28/2011 – Housing Finance Reform: Access to the Secondary Market for Small Financial Institutions
6/16/2011 – How the TBA Market Would Function for Privately Issued Mortgage-Backed Securities
4/4/2011 – Principles for Reforming the Housing Finance Market
3/31/2011 – Immediate Steps to Protect Taxpayers from the Ongoing Bailout of Fannie Mae and Freddie Mac
3/24/2011 – Taking the government out of housing finance: Principles for reforming the housing finance market
3/20/2011 – Alger Commission Report
3/16/2011 – Government Must Jettison the 30-Year Mortgage
2/5/2011 – Government Housing Policies in the Lead-up to the Financial Crisis: A Forensic Study
1/24/2011 – Four Principles to End Housing Bailouts and Eliminate the GSEs
1/20/2011 – Taking the Government Out of Housing Finance: Principles for Reforming the Housing Finance Market
11/30/2010 – How the Government Is Creating Another Housing Bubble
10/18/2010 – What Have They Done? Implications of the Dodd-Frank Act
3/15/2010 – Triggers of the Financial Crisis
2/16/2009 – A Government-Mandated Housing Bubble
11/3/2008 – Worse Than You Think
10/25/2008 – Let’s Use Fannie to Clean Up the Mess It Made