Both enterprises plan for expanded use of SPCPs and downpayment assistance programs to lower the cost of getting a mortgage for low- and moderate-income borrowers.

Fannie and Freddie have detailed how they plan to meet their obligations to provide liquidity and credit access to underserved communities.

Although Fannie Mae and Freddie Mac failed to reach their multifamily volume caps in 2022, 2023 and probably 2024, FHFA raised the caps from $140 billion to $146 billion for 2025.

Urban Institute researchers suggest the GSEs push for universal flood insurance requirements and multiyear home insurance policies.

An extra inch of rainfall during a hurricane increases the severe delinquency rate of GSE borrowers by about 0.013%.

Mortgage industry stakeholders speculate about who Trump will nominate to oversee Fannie Mae and Freddie Mac and determine whether they remain in conservatorship or are re-privatized.

The reduction in fees for mortgages on homes that qualify for the GSEs’ housing goals are estimated to increase Fannie and Freddie acquisitions by 37,000 loans in 2025.

Industry trade groups noted that the increase comes on top of a 400% price hike over the past two years. They also argued that the credit re-porting bureaus will inevitably add additional price hikes.

Freddie Mac failed to win a complete summary judgment against an insurer who declined to pay claims related to a 2008 SEC investigation. The judge’s ruling makes it more likely the case goes to trial and discovery.

Appraisers will now have to cite the market analysis they used to support their overall market trend assumptions.