The housing finance system of the United States is a marvel in its size, scope, and efficiency. One key feature of the U.S. housing finance system is its integration into the broader financial markets, providing Americans with access to cheap sources of capital. As a result, Americans enjoy high-quality housing and high homeownership rates. Thus, housing finance is of central importance to two critical sectors of the national economy: one obvious—the housing industry— and the other less obvious—the larger financial system of the United States.
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