"When making a decision about housing, a household often must evaluate renting versus owning. Multiple factors will influence the decision, such as a household’s financial status and
expectations about the future. Few that decide to purchase a home have the necessary savings or available financial resources to make the purchase without borrowing money. Most need to take out a loan known as a mortgage. This report serves as a primer that explains how the system of housing finance works..."
An Overview of the Housing Finance System in the United States
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