Leverage Ratios Rise in 2016

By Michael Neal Information provided by the Federal Housing Finance Agency (FHFA) indicates that the loan amount relative to the purchase price of the home, leverage or the loan-to-value (LTV) ratio, rose in 2016 to 79.2 percent, 140 basis points above the rate in 2015, 77.8 percent*/**. The increase over 2016 largely reflected growth in the LTV ratio on purchases of previously occupied… Read More ›

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About Michael Neal

Michael Neal
Michael Neal is a Senior Economist at the National Association of Home Builders based in Washington D.C. In this capacity, Mr. Neal’s research involves monitoring housing finance issues that impact the U.S. housing market. As a housing economist, Mr. Neal has provided expert analysis and commentary on housing to media outlets around the country. Prior to joining NAHB, Michael worked at the Congress’ Joint Economic Committee, the Federal Reserve, the Congressional Budget Office and Goldman Sachs. He holds a B.A. degree in Economics from Morehouse College, an M.P.A. from the University of Pennsylvania.

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Leverage Ratios Rise in 2016

By Michael Neal Information released jointly by the Department of Housing and Urban Development and …