The main difference in 2026 was that later-stage delinquencies increased.

Now, the economists project that the average interest rate for a 30-year fixed-rate mortgage will decline to only 6.1% in the fourth quarter.

Ginnie posted a 1.3% quarterly gain in servicing outstanding to $2.726 trillion at the end of March, not including servicing of home-equity conversion mortgages.

“While speculation continues around the potential privatization of the government-sponsored enterprises, Morningstar DBRS does not view any changes to [their] status as likely for the length of the credit rating outlook period given the complexities and potential consequences of such an action, especially considering the current macroeconomic environment,” the rating service said.

Multiple GSE officials told Inside The GSEs that no changes have been made to their selling guides regarding crypto assets, even with a splashy planned mortgage product from Better Home & Finance.

The new guidelines, which go into effect Aug. 6, require seller/servicers to have clear policies in place to mitigate the risks posed by this technology and to ensure it complies with existing laws and regulations.

Fannie Mae hopes to extend the partnership to include fraud detection in its single-family mortgage business.

Fannie said the changes were made in response to feedback from lenders.

The second lien tied to the crypto pledge requires monthly payments and the combined interest rate for the product could be higher than a comparable traditional mortgage.

Changing priorities from the White House have put talks on ending the GSE conservatorship on the back burner.