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Young adults and minorities represent bright spots amid mortgage doom & gloomThe housing boom of 2004-2005 led to a bust that’s worse than most expected. Home prices are still falling, foreclosures rising, and home ownership rates are starting to drop. Still, market research firm Mintel sees golden opportunities in this dismal market: young adults and minorities. Mintel’s latest mortgage report suggests Echo Boomers (currently aged 13-30) and Hispanic, Asian and Black Americans will be key to the real estate market’s turnaround.