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Inside The GSEs

June 9, 2023

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Deliveries to Fannie, Freddie Increase in May

All but one of the top 10 Fannie/Freddie lenders increased deliveries to the GSEs last month. Overall, the two government-sponsored enterprises securitized 22.3% more loans in May than in April. Read More

Shift to FICO 10T and VantageScore 4.0 Ramps Up

GSE officials recently outlined the timeline for implementing the new credit score models and some of the challenges that implementation poses for mortgage industry stakeholders. Read More

Criticism of LLPAs Expands to Include Conservatorship

FHFA recently changed the upfront fees charged by Fannie and Freddie, in part to help meet the highly conservative capital requirements imposed on them by former Director Mark Calabria. Now, critics of the fees have joined critics of the conservatorship. Read More

The Growing Debate Over Reconsiderations of Value

As the Biden administration focuses on ending discrimination in appraisals, trade groups and industry advocates call for standards on reconsiderations of value. Read More

Fannie Loosens Standards for Certain Loans

Fannie has updated its selling guide to provide modest flexibilities on manufactured home loans, adjustable-rate mortgages and cash-out refinances. Read More

New Area Median Incomes Set to Go into Effect

Implementation of the new AMI limits took place this week in Loan Product Advisor and will take place next week in Desktop Underwriter. Read More

New Freddie Loan Program Targets Native American Homebuyers

HeritageOne will provide financing for single-family homes located on federally designated tribal lands. Only primary residences are eligible. Read More

GSEs Update Disclosure of Valuation Methods

New MBS disclosures from Fannie and Freddie reflect changes in property valuation methods. Read More

Risk Expert Ragavan Joins Fannie Board

Former Voya Financial Chief Risk Officer Chetlur Ragavan will sit on the board’s risk management committee. Read More

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