The government-sponsored enterprises and Ginnie Mae have requirements that keep many community development financial institutions out of the mortgage business, according to CDFIs.

Analysts at the Urban Institute called for changes at the GSEs and FHA to make adjustable-rate mortgages more attractive for borrowers.

Experts speaking at SFVegas this week think the White House's interest in removing the GSEs from conservatorship could be dwindling.

Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.

President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS.

Non-agency lenders are expecting an increase in originations following the Trump administration’s announcement that the GSEs will add $200 billion to their MBS holdings.

Non-agency industry participants are speculating how the non-qualified mortgage market would react if the government-sponsored enterprises go private.

Well below 1.0% of mortgages originated in 2024 had 40-year terms.

Mortgage deliveries to the GSEs were up 14.5% from September to October, according to data from Inside The GSEs.

Trends split during the third quarter in terms of GSE business involving private mortgage insurance. Purchase-mortgage volume increased and refis declined. (Includes three data tables.)