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Volume 2014 - Number 36

September 26, 2014

Industry Groups Urge FHFA to Move to Common Security, Focus on Loan Quality, Not Volume in Strategic Plan

The Federal Housing Finance Agency should direct Fannie Mae and Freddie Mac to move toward a common, fungible security while also striving to ensure the government-sponsored enterprises’ safety and soundness and promote liquidity and access to the secondary mortgage market, according to early feedback from industry groups. Last month, the FHFA issued a request for input regarding its strategic plan for fiscal years 2015 through 2019. The FHFA plan identifies three strategic goals for the GSEs: ensuring safe and sound regulated entities; ensuring liquidity, stability and access in housing finance; and managing Fannie’s and Freddie’s ongoing conservatorship. The Mortgage Bankers Association called on...

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This weekly covers the secondary mortgage market, including mortgage-backed securities and asset-backed securities.



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With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

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