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Gen-X Homeowners Struggle With Loan-to-Value Ratio

Generation X homeowners, people between the ages of 35 to 50, are lagging behind the national average when it comes to loan-to-value ratio (LTV). According to a new report released last week by Zillow, Gen Xers have less equity in their homes than the average borrower. Gen Xers have an LTV of 70 percent, much higher than the national average of 62%.

Having a higher LTV means that a homeowner has a larger amount left to pay on the mortgage.

The major factor driving this anomaly is that many GenXers bought their homes before the Great Recession and, therefore, lost a lot of equity when the recession hit. Now it’s just a matter of catching up.

For the full article, please read this MarketWatch article.

Consider investing in a professionally managed portfolio of single-family homes? Please contact Harold Willig at or 917-209-4452.

Harold Willig is the Manager of SpringView Investment Management, LLC, which he founded in 2012. Mr. Willig also served as HFZ Capital Group’s Chief Financial Officer, and was responsible for the oversight of HFZ's Finance and Accounting team. He has over 16 years of finance and accounting experience.

Mr. Willig also ran a consulting practice and provided valuation, analysis, and transactional support services to multi-billion dollar real estate companies. Previously, Mr. Willig served as the Senior Controller and Vice President of Financial Analysis and then the Chief Financial Officer of the Athena Group, a multifamily development company and fund manager.

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