#USHouseMarketStructureDraft

The U.S. housing market structure is shaped by key elements including buyers, sellers, real estate agents, lenders, and regulatory bodies. Properties are typically bought and sold through listing services like the MLS, with agents facilitating transactions. Mortgage lenders play a central role, offering financing to buyers, while government institutions like HUD and the Federal Reserve influence market dynamics through policy and regulation. Prices are driven by supply, demand, interest rates, and local economic factors. Additionally, institutional investors and developers contribute to market shifts. Overall, the structure reflects a complex interaction between private enterprise and public oversight shaping homeownership trends.