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	The Quest for Knowledge The Research Institute for Housing America of the Mortgage Bankers Association is a 501(c)(3) trust fund. Its chief purpose is to encourage and aid - through grants and sponsored research to distinguished scholars, educational institutions, research facilities, and government organizations - the pursuit of knowledge of mortgage markets and real estate finance. Its mission emphasizes rigorous analysis furthering understanding of how to expand rental opportunities and home ownership among the underserved, and how to encourage equal access to mortgage credit for all qualified borrowers.

New Published Reports

6/25/2009

A Financial Analysis of Consumer Mortgage Decisions

This study provides financial planners, housing counselors and potentials homeowners with a deeper look into some of the complex mortgage decisions consumers face and methods for analyzing mortgage choices. Using standard, well understood approaches and tools that financial professionals use to manage corporate and municipal budgets, the authors illustrate how these can be adapted for residential mortgages. The main topics covered are: the importance of a homeowner’s planned ownership horizon in determining the appropriate mortgage pr . . .

10/1/2007

The Impact of Global Capital Flows and Foreign Financing on US Mortgage and Treasury Interest Rates

Almost 45 percent of U.S. Treasury securities and just under 20 percent of U.S. Agency securities (bonds and mortgage-backed securities (MBS)) are currently held by foreign investors. This paper addresses some key questions concerning these large foreign investments in U.S. Treasury and Agency securities: Are these investments sustainable? What is the likely impact on U.S. Treasury and mortgage interest rates if foreign investors begin to redeploy their investment resources? What could be the triggering or tipping points in China’s di . . .

12/1/2006

Study on Housing Trends Among Baby Boomers

According to the most recent U.S. Census Bureau projections, most of the growth in the number of persons aged 55 and older in the near future will occur because of the aging of the Baby Boomers, who have helped to fuel the growth in the national homeownership rate to historical highs. Broadly speaking, the aging of America and growth in homeownership will have potentially important implications for the housing and mortgage industries for a number of reasons. . . .

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MBA Research News


7/1/2009 Mortgage Applications Decrease in Latest MBA Weekly Survey
6/30/2009 Commercial/Multifamily Market Feels Continued Economic Pressures
6/24/2009 Mortgage Applications Increase in Latest MBA Weekly Survey
6/19/2009 Economic Forecast -- June 2009
6/19/2009 Rising Rates Choke off Refinancing

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