Two Harbors seeking more votes in favor of acquisition by UWM; GSEs to ease standards for condo insurance; DOJ subpoenas to Fed rejected.

The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO.

Talk of a capital raise for Fannie Mae and Freddie Mac has waned in recent months, leading some policy experts to question whether the Trump administration has the appetite to take the GSEs public.

House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac.

The big homebuilders are purportedly planning to build a million starter homes to sell through a rent-to-own program. The Trump administration has distanced itself from any such proposal.

Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.

Documents released under a FOIA request indicated that the GSEs’ assessment of the new credit score requirements found that a single-bureau credit pull significantly underperformed both the tri-merge and bi-merge.

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

The president wants to address housing affordability but also wants home prices to remain high because it has made a lot of people wealthy.

In mid-December, MBA was projecting interest rates would hold at 6.4% throughout 2026. However, MBA now anticipates the average rate will be 6.1% in the first quarter and hold at that level through the year.