Millennials have been characterized as "snug in the nest but waiting to fly." 2015 looks like their time to fly. Millennials have been slow to enter the housing market due to a number of factors, mostly revolving around tight credit, large down payment requirements, and poor employment figures. Excessive student loan debt and uncertain employment futures have also contributed to this group's desire to stay at home in the family nest, getting their proverbial ducks in a row prior to committing to a home purchase.