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Some of the decline in homeownership is related to the housing boom and bust, with the onset of foreclosures for those who were not ready for homeownership or lost a job due to the recession. However, recent declines are connected with tighter access to credit to buy a home due to stricter lending standards, increased unemployment and lack of wage growth for younger workers. Falling home prices may have been an economic opportunity for all-cash buyers, but for those dependent on debt – particularly aspiring younger households – the inability to access an affordable mortgage or save for a downpayment meant a closed door during a unique buying opportunity.