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Fannie Mae survey finds slightly more consumers say its a good time to buy.
Most vulnerable homeowners have FHA, VA, or other government loans.
According to Fannie Mae's ESR Group, housing and mortgage markets are not expected to recover until 2024.
Decision in a foreclosure case could have an impact on legislation pending in the Empire State.
Index increased 0.6 points in November after hitting all-time low in October.
Enhancement to Desktop Underwriter system intended to support loans when borrower has no credit score.
