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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.
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| New Published
Reports
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10/1/2007
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The Impact of Global Capital Flows and Foreign Financing on US Mortgage and Treasury Interest Rates 
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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
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12/1/2006
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Study on Housing Trends Among Baby Boomers
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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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11/27/2006
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Americas Regional Demographics in the 00 Decade: The Role of Seniors, Boomers and New Minorities
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In the first decade of the 21st Century, it is becoming clear that America’s demography will become far more multifaceted than we have known in the past. Two of the main demographic engines, propelling these changes, are discussed in this report: first, we examine the rise in America’s senior population, which will be propelled by the beginning wave of aging Baby Boomers; and second, the rise of new minorities, Hispanics and Asians, that is propelled by the huge, recent immigration to the United States. Both of these trends will exert
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