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alternative specifications assets capital market ceilings change in dollar CN CN construction loan cost counter-cyclical credit crunch crunch demand for housing demand for mortgages demand side economy effect Federal Home Loan Federal National Mortgage Federal Reserve system FHLB FHLBB Advances FHLBB and FNMA FHLMC financial intermediaries FNMA and FHLBB ft ft functions of FNMA goal high interest rates Home Loan Bank household formation housing and mortgage housing demand housing market housing sector housing starts important lagged two quarters loan associations loan-to-value ratio long-term Mortgage Demand mortgage funds mortgage interest rate mortgage market mortgage supply mortgage-backed securities mortgages outstanding National Mortgage Association patterns of FNMA percent periods Plot of Actual portfolio choices positive impact price of housing proxy relative price rental savings and loan savings flows SFLO Silber simultaneous equations spread between mortgage stabilizing structural model supply of housing supply of mortgages usury laws vacancy rate