Financing the American Home

Marc Rubinstein has over 25 years experience as an analyst and investor in the financials sector whi

Want to continue reading this and the other 1,500+ essays you won't find anywhere else?

Already a subscriber? log in here

To learn more about Epsilon Theory and be notified when we release new content sign up here. You’ll receive an email every week and your information will never be shared with anyone else.


  1. The fixed 30 year mortgage most likely makes housing more expensive on a cash purchase basis. People do not buy the cost of the house they buy the cost of the payment and therefore lower rates means higher prices. We also subsidize housing with a mortgage interest deduction although the large standard deduction probably has reduced that somewhat. I am not sure what the answer is since I definitely believe that owning a home is a wise choice for many people.

  2. Yay Home Ownership.

  3. what is the percentage of homeowners actually holding their mortgage for 30 years?
    I must have owned 3-4 houses as I relocated for work and finally realized i would be better off with a 15 year mortgage with a lower rate and paid off my mortgage after 7 years or so…

Continue the discussion at the Epsilon Theory Forum


Avatar for system Avatar for lpusateri Avatar for hbaeuerle1 Avatar for PreCambrian

The Latest From Epsilon Theory


This commentary is being provided to you as general information only and should not be taken as investment advice. The opinions expressed in these materials represent the personal views of the author(s). It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. Any action that you take as a result of information contained in this document is ultimately your responsibility. Epsilon Theory will not accept liability for any loss or damage, including without limitation to any loss of profit, which may arise directly or indirectly from use of or reliance on such information. Consult your investment advisor before making any investment decisions. It must be noted, that no one can accurately predict the future of the market with certainty or guarantee future investment performance. Past performance is not a guarantee of future results.

Statements in this communication are forward-looking statements. The forward-looking statements and other views expressed herein are as of the date of this publication. Actual future results or occurrences may differ significantly from those anticipated in any forward-looking statements, and there is no guarantee that any predictions will come to pass. The views expressed herein are subject to change at any time, due to numerous market and other factors. Epsilon Theory disclaims any obligation to update publicly or revise any forward-looking statements or views expressed herein. This information is neither an offer to sell nor a solicitation of any offer to buy any securities. This commentary has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Epsilon Theory recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.