Although neither housing EO released last week by President Trump mentions them by name, it’s clear Fannie Mae and Freddie Mac will have a hand in implementing the proposed policy changes.
FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though.
Lower credit scores lead to both stiffer mortgage rates and higher home insurance premiums, adding to the affordability challenge, according to new finding.
Since the Iran war started, interest rates have returned to where they were when President Trump directed the GSEs to purchase $200 billion in MBS and most analysts say GSE reform is now off the table.
The government-sponsored enterprises and Ginnie Mae have requirements that keep many community development financial institutions out of the mortgage business, according to CDFIs.
JPMorgan Chase remained the largest bank CLO investor despite a modest decline in its portfolio during the fourth quarter of 2025. (Includes data table.)