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Inside The GSEs

May 3, 2024

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Hints of Life in Originations as GSE MBS Issuance Increases

Mortgage deliveries to the mortgage-backed securities platforms of Fannie Mae and Freddie Mac rose in April, but credit trends suggest these were seasonal increases rather than a start of a new trend. (Includes two data tables.) Read More

Can the GSEs Ever Earn Enough Money?

Even though Fannie Mae and Freddie Mac maintained healthy profits in a tough market in the first quarter, their capital shortfalls under the ERCF remained absurdly high. (Includes data table.) Read More

Lenders Like Freddie’s Plan to Purchase Closed-End Seconds

Although some non-agency players may see Freddie’s plan to purchase closed-end seconds as competition, many lenders see a way to create more liquidity in the sector. Read More

Criticism to Ending Tri-Merge Credit Process Mounts

Will allowing lenders to omit one of the three credit scores from the underwriting process reduce costs for borrowers or ensure that some unqualified borrowers inadvertently get a loan they can’t afford? Read More

GSEs Standardize Appraisal Complaint Process

FHFA and HUD have teamed up to initiate a formal request for reconsideration of value for borrowers and sellers who believe their appraised value is undocumented or biased. Read More

Freddie Doubles Down on Attorney Opinion Letters

In an effort to reduce closing costs for low-income and first-time homebuyers, Freddie will now allow lenders to replace title insurance with attorney opinion letters in all but one state. Read More

Enterprises Clarify Definition of First-Generation Homebuyer

Fannie Mae and Freddie Mac take a step toward addressing the racial and ethnic gap in intergenerational wealth. Read More

Final Rule Codifies GSEs’ Fair Lending Responsibilities

A new rule from FHFA has enshrined fair lending requirements of the GSEs, including the treatment of their equitable housing finance plans. Read More

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