The MBA continues to argue that the credit scores provided by Equifax, Experian and TransUnion are now so similar that lenders shouldn’t be required to pull all three. Credit bureaus disagree.

Conforming loan limits for mortgages sold to Fannie Mae and Freddie Mac will rise by 3.3% in 2026, the smallest increase since 2017.

While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change.

The Basel III re-proposal could include relief for mortgages; FICO to release historical data for 10T score.

The Mortgage Bankers Association has called on lawmakers to end tri-merge requirements for loans sold to the government-sponsored enterprises following reports of increased pricing for credit reports.

The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years.

FHFA Director Bill Pulte touted possibility of a 50-year fixed-rate mortgage. Also under consideration: transferable and portable mortgages.

Lenders urged the regulator to spell out the GSEs’ conservatorship-era obligations that could apply even if Fannie and Freddie are released.

FICO is confident the mortgage market will continue to use its credit scores even as FHFA and credit bureaus push the adoption of VantageScore.

The Trump administration continues to tease a 2025 capital raise for the GSEs but industry experts remain skeptical this can be done in a safe, sound manner.