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related topics |
{condition, economic, financial} |
{cost, contract, operation} |
{regulation, change, law} |
{capital, credit, financial} |
{cost, operation, labor} |
{loan, real, estate} |
{gas, price, oil} |
{operation, natural, condition} |
{competitive, industry, competition} |
{customer, product, revenue} |
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The market value of land may fluctuate significantly, which can result in significant decreases in the value of our developed and undeveloped land holdings.
Continued cancellations of existing sales contracts may have a material adverse effect on our business.
Increases in interest rates could make it more difficult or costly for customers to purchase our homes.
Competition for homebuyers could reduce our closings or decrease our profitability.
The lag between when we acquire land and when we sell homes in our neighborhoods can make our operations susceptible to the effects of rapid changes in market conditions.
We may not be able to acquire land suitable for residential homebuilding at reasonable prices, which could limit our ability to expand our homebuilding operations and increase our costs.
Government entities have adopted or may adopt slow or no growth initiatives, which could adversely affect our operations.
Natural disasters and adverse weather conditions could delay closings or increase costs to build new homes in affected areas.
Supply or labor shortages and other risks related to the demand for building materials and skilled labor could delay closings and affect our results of operations.
Compliance with regulatory requirements affecting our business could have substantial costs both in time and money, and some regulations could prohibit or restrict some homebuilding activity.
We may incur increased costs related to repairing construction defects in the homes we sell.
An inability to obtain bonding could limit the number of projects we are able to pursue.
General business, economic and market conditions may significantly affect the earnings of our Financial Services operations.
The mortgage financing industry is highly competitive.
Changes in lending laws could hurt our Financial Services operations.
The volatility of our Financial Services operations due to refinancing activity could negatively impact operations.
FACTORS AFFECTING MULTIPLE BUSINESS SEGMENTS
Market conditions in the sub-prime lending industry have worsened significantly, which could cause lenders to tighten qualifications for mortgages and reduce the availability of credit for some purchasers of our homes and reduce the population of potential mortgage customers.
Our income tax provision and other tax reserves may be insufficient if any taxing authorities are successful in asserting tax positions that are contrary to our position.
New federal laws that adversely affect liquidity in the secondary mortgage market could hurt our business.
We could be adversely affected by a change in our credit rating or a disruption in the capital markets.
Reductions in tax benefits could make home ownership more expensive or less attractive.
Full 10-K form ▸
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