An uptick in home sales is helping lenders to have a rosier outlook for 2024, but the mortgage lock-in effect could put a cap on expected growth.

If the GSEs required stricter energy codes on new homes, savings on utility bills would cover borrowers’ costs within three years, a coalition of advocacy groups said in a letter to the Federal Housing Finance Agency.

The revised CDFI certification process will improve lender accountability and streamline the application process.

Lenders have launched a variety of products to reduce downpayment costs for GSE-eligible borrowers.

Faster, better analysis of credit data means Fannie Mae can reduce some of the barriers to homeownership in “missing middle” housing.

Federal Housing Finance Agency Director Sandra Thompson wants closer collaboration among the FHLBanks, the Federal Reserve and FDIC.

Beginning in 2024 cities and counties in California can adopt ordinances to let an accessory dwelling unit be sold or conveyed separately from the primary residence.

There is still no firm release date on FHFA’s once-in-a-hundred-year review of the Federal Home Loan Bank system. The report was supposed to come out by the end of September.

Smaller real estate investors are playing a larger role in the housing market as inventory fails to keep up with demand.

The new proposed capital requirements could reduce LMI lending by large banks and make warehouse financing expensive for nonbanks.