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December 7, 2018

How to Shrink the GSE Footprint Without Having to Ask Congress To Do Anything

By John Bancroft

Want to shrink Fannie and Freddie? Cut investor loans, then move on to cash-out refisÖ

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Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.


Time for a change. Borrowers are different today.


Undecided, still assessing the situation.