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Tag Archives: Homeownership

Making Homeownership a Reality for the Millennial Generation

Commentary is an ongoing series on theMReport.com that focuses on opinions, ideas, and insights from experts across mortgage banking. Jeannie Smith, Loan Officer and VP of Sales at Guardian Mortgage discusses opening the credit box for millennials, and how this will help the mortgage industry move more millennials from renters to homeowners.

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Millennials Want to Buy Homes. Can the Mortgage Industry Help Them?

Commentary is an ongoing series on theMReport.com that focuses on opinions, ideas, and insights from experts across mortgage banking. With skyrocketing rents in many parts of the country, buying a home is beginning to look more attractive to millennials. Jeannie Smith, VP of sales and a home loan officer at Guardian Mortgage discusses how Millennials desire homeownership but struggle financially and how the mortgage industry can help.

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The Two Faces of the American Dream

Segregation is virtually abolished with respect to almost every facet of the American dream, except for one. Whether unintentionally or intentional in nature, there is a great divide and disparity in the statistics between minority and white borrowers in the mortgage market. This select print feature appears in the October 2015 edition of MReport magazine, available now.

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Report Says More Millennials Value Homeownership Over Conveniences

More millennials are valuing homeownership these days and trying harder to gather the funds to buy a home of their own, as a recent survey conducted by Washington, D.C.-based business advisory firm the Collingwood Group indicated. The survey, released Tuesday, showed that 65 percent of people polled between the ages of 24 and 34 were willing to forego modern conveniences in order to save for a down payment to purchase a home.

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Facing the Housing Challenge Head–On: An Exclusive Interview with FHA Chief Edward Golding

Dedicated, visionary, and optimistic about the future of homeownership, Golding has spent more than 25 years in mortgage finance in both the public and private sector. Prior to joining HUD in 2013, he held several senior positions during a 23-year tenure with Freddie Mac—where he served as SVP of Economics and Policy, Program Executive of Making Home Affordable, SVP of Economics and Strategic Analysis, and SVP of Capital Oversight and Economics. Despite his busy schedule shaping the future of American homeownership, Golding sat down with us this month to address your pressing questions on the FHA, mortgage insurance, housing, down-payment assistance, and more. Editor's note: This select print feature appeared in the July 2015 edition of MReport magazine, available now.

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Housing Forecast Highlights Expected Changes for the Second Half of 2015

With the housing market still in recovery from the recession, homeownership is not a commodity that everyone can afford. In fact, it is a luxury. Forbes writer, Erin Carlyle pointed out a housing forecast titled "What to Expect in the Second Half of 2015" that the homeownership rate in 2005 was 69.1 percent, while today, it’s 63.7 percent, the lowest level the nation has seen since 1993. The forecast highlights that sellers are in an ideal market as the demand for housing is back, but for buyers, home prices are not very favorable and continue to rise.

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