We’ve talked quite a bit lately about homeownership rates in America. To recap, this month marks the 20-year anniversary of Bill Clinton’s 100-point National Homeownership Strategy which sought to raise homeownership rates in America to record levels — and it did. Unfortunately, the foundation upon which this miracle was built began to crack in mid-2007 and by the summer of 2008, the two entities which had for years underwritten the American Dream were in receivership.