Different criticisms have emerged on different participants in the allowing of such risky trading, but a nearly unanimous indictment of the authorities and commercial interests raises concerns on the safety of the industry into the future. These historic factors alongside other economic considerations that the majority of Americans continue to experience in the housing sector expose homeownership negotiations to a unique and challenging setting. According to economic times in the US and around the world today, households increasingly find it difficult to support capital expenditure that was the case slightly before the mortgage-precipitated volatility. Levels of employment continue to hit record month-to-month lows since the origin of economic crisis. Disposable income among the young generations in need of housing seems to fluctuate with the developments in the market and economic performance figures. Austerity measures embarked by the government illustrate the levels of economic volatility, which raises fears of the future of the economy and the implications that huge expenditures would have on economic stability at the household level. The low rate of economic recovery makes it unpredictable for jobholders to estimate how long they can remain in a job. Fears of mass layoffs within the austerity provisions, therefore, make it difficult for house buyers to make the correct timing when they are most stable in such expenditure. World economy performance as analyzed by observers still remains unpredictable, with reliable data sighting further recovery difficulty in the months ahead (Hirshleifer and Siew, 2009). With the developments of the economic struggles in Europe, the world economy remains an issue of consideration by important expenditure decisions. When such domestic and international economic profiles indicate the troublesome business environment, it implies that the real estate and the housingindustry as defined by market forces will continue to attract high costs to remain in operation.