How to solve the housing affordability crisis

Per the NY Times today, there is an acute shortage of affordable rentals all over the country and primarily in cities where the economy is doing well. The reporter spends a bunch of time detailing how terrible the situation is, and very little time talking about solutions, except to point out that the government could … Continue reading “How to solve the housing affordability crisis”

What’s the best way to buy with a small downpayment?

Today’s NY Times has an interesting comparison of 5% down FHA and conventional loans. (For more about the basics of FHA loans, read this.) It turns out that the increased mortgage insurance premiums currently demanded by FHA make FHA loans a worse deal than 5% down conventional. If you’re considering buying with little money down … Continue reading “What’s the best way to buy with a small downpayment?”