In 2008, the reported HMDA share of FHA-insured home loans was 21.5 percent. The percentage of HMDA reported FHA loans had not reached nearly 20 percent since 1990 (18.1). 2  National Association of Realtors Profile of Homebuyers and Sellers.
3  The National Association of Realtors, “2009 Housing Opportunity Pulse Survey.” The NAR annual telephone survey of 1000 adults shows “…eight in 10 (borrowers) still consider having enough money for downpayment and closing costs to be the biggest obstacle to buying a home.”  BIS Review 167/2009  3  these avenues are now much more restricted.