Despite widespread fears that their jobs are not secure, Americans remain upbeat about their chances to own a home. Further, homeownership retains its lure, even though homes are gaining in value more slowly than in the 1980s.

These are some of the findings of the Fannie Mae national housing survey, now in its fifth year. Its aim is to take an annual reading of American attitudes toward homeownership, and the news this year was cheery for lenders, real-estate agents, home builders and others who make their living off the American dream.

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