#USHouseMarketStructureDraft

The U.S. housing market is structured around buyers, sellers, real estate agents, mortgage lenders, and regulatory bodies. Homes are bought and sold through private transactions or real estate listings, often involving agents who help negotiate deals. Most buyers use mortgage loans from banks or financial institutions. Prices are influenced by supply, demand, interest rates, and economic conditions. Government agencies like HUD and regulations such as zoning laws also shape the market. The market includes different property types like single-family homes, condos, and apartments. Overall, the housing market plays a vital role in the U.S. economy and individual wealth building.