#USHouseMarketStructureDraft The U.S. housing market structure consists of buyers, sellers, real estate agents, lenders, and government agencies. Homes are typically bought and sold through agents using MLS listings. Mortgage lenders provide financing, regulated by institutions like the Federal Reserve and CFPB. Prices are influenced by supply, demand, interest rates, and economic trends. Government-backed loans (FHA, VA) and tax incentives play key roles. Zoning laws and local regulations shape development. Investors, including institutional buyers, also impact inventory and pricing. Market cycles—boom, bust, recovery—repeat over time. Technology platforms now streamline listings and transactions. Overall, it's a dynamic, multi-layered economic and social system.

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