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| related topics |
| {loan, real, estate} |
| {gas, price, oil} |
| {stock, price, operating} |
| {cost, regulation, environmental} |
| {financial, litigation, operation} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {cost, operation, labor} |
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If our home prices continue to increase, our homes could become less affordable to the first-time and first-time move-up homebuyer.
If the market value of our homes drops significantly, our profits could decrease.
Interest rate increases or changes in federal lending programs could lower demand for our homes and our mortgage lending services.
Competition in the homebuilding industry could hurt our profits.
Natural disasters could cause an increase in home construction costs, as well as delays, and could result in reduced profits.
Our business is subject to numerous environmental and other governmental regulations. These regulations could give rise to significant additional liabilities or expenditures, or restrictions on our business.
Product liability litigation and warranty claims that arise in the ordinary course of business may be costly.
The interests of certain control persons may be adverse to investors.
We depend on certain markets, and reduced demand for homes in these markets could reduce home sales revenue and earnings.
Labor and material shortages could cause delays in the construction of our homes.
Because of the seasonal nature of our business, our quarterly operating results fluctuate.
We are reliant on a small number of third party purchasers of mortgage loans originated by HomeAmerican which could impact our results of operations.
If our potential homebuyers are not able to obtain suitable financing, our business may decline.
Full 10-K form ▸
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