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Financing the American Home

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

  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…

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