Tadaima User Documentation
Go to WebsiteSchedule Call
  • Welcome
  • Tadaima Co-ownership
    • Myths of Homebuying
      • Example 1: 20% Down Payment
      • Example 2: Waiting for a Job
      • Example 3: Timing the Market
    • What Matters When Buying
    • When You Can't Buy -> Co-own
    • Sequential Co-ownership
      • Component 1: Equity Share Agreement
      • Component 2: Assumptions and Release of Obligations Form
      • Component 3: Performance Lien
      • Component 4: Assumable Mortgage
    • Benefits of Co-owning
    • Use Cases of Co-Owning
  • Financials of Co-Owning
    • Why is it Worth it?
    • Understanding Real Estate Investing
      • Equity Explained
      • Cashflow Sources and Sinks
      • Real Estate Investment Modeling
    • A Service for the High Mobile
      • Transformation 1: Ownership Structure
      • Transformation 2: Transaction Temporality
      • Remapping our Transformations
      • Tadaima Investment Modeling
    • The Equity Model for a Tadaima Home
  • Next Steps
    • Schedule 1:1 with Tadaima
    • Prepare Financial Documents
    • Shop Available Inventory
  • Appendix
    • Housing Market History
      • Prior 1920s
      • FDR's New Deal
      • Recent Efforts to Increase Homeownership
    • Real Estate Concepts
      • Counterparty Risk
      • Lien Priority
      • Mortgages & Liens
      • Title & Deed
      • Co-Borrower & Co-Signer
      • Appraisals
    • Other Myths
      • Wait Till Marriage
      • Possibility of 2008 Again
      • Renting is Cheaper
Powered by GitBook
On this page
  • 1980s-Present: Efforts to Increase Homeownership and Their Consequences
  • In Closing
  1. Appendix
  2. Housing Market History

Recent Efforts to Increase Homeownership

1980s-Present: Efforts to Increase Homeownership and Their Consequences

Deregulation and Financial Innovation (1980s-1990s)

  • The deregulation of the financial industry allowed for more flexible lending practices, such as adjustable-rate mortgages.

  • Fannie Mae and Freddie Mac expanded access to mortgages, especially for low-income buyers.

  • The Clinton Administration pushed for increased homeownership rates, particularly among minority and low-income communities.

The Housing Bubble and Crash (2000s)

  • Lenders offered subprime mortgages with low initial rates but high-risk structures, leading to a surge in homeownership.

  • Speculative investment and predatory lending practices contributed to the housing bubble.

  • The 2008 housing market crash resulted in mass foreclosures and a financial crisis, disproportionately affecting minority communities.

Post-Crisis Recovery and Recent Trends (2010s-Present)

  • Tighter lending regulations through the Dodd-Frank Act (2010) aimed to prevent risky lending practices.

  • The Federal Reserve’s low interest rates after the Great Recession helped stabilize the market.

  • Rising housing costs and stagnant wages have created affordability challenges, particularly for millennials and lower-income households.

  • Recent government-backed programs, such as down payment assistance and first-time buyer incentives, aim to address racial disparities and boost homeownership.

Mixed Success of These Efforts

  • Homeownership rates rose from around 65% in 1980 to nearly 70% by the early 2000s.

  • However, the housing bubble and crash of 2008 erased gains, leading to widespread foreclosures and wealth loss.

  • Post-crisis recovery has stabilized the market, but affordability and access remain major challenges, particularly for younger generations and marginalized communities.


In Closing

Deregulation and risky lending practices of the 2000s led to the housing crisis, and today’s challenges revolve around affordability and access for marginalized communities.

PreviousFDR's New DealNextReal Estate Concepts

Last updated 2 months ago