Agency MBS/Secondary Activity

GSE QM-Patch Lending

Volume of loans with debt-to-income ratio exceeding 43 percent securitized by Fannie Mae and Freddie Mac. Includes high-DTI loans percent of each GSE’s total business and percent of jumbo conforming business.

2013-6M2016 Data


After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


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