(4 ‘ ~ a 3 5 62% 5 > = 6 =] + 4% 60% 58% 1 1 1 1 + + ; ; ; ~~ 0% 1965 1968 1971 1974 1977 1980 1983 1986 1989 1992 1995 1998 2001 2004 2007 2010 ——U.S. Home Ownership Rate U.S. Interest Rate «="PU.S. Home Ownership Rate 30-year (1965-1995) Trendline —— U.S. Personal Savings Rate Note: HUD is Dept. of Housing & Urban Development. interest