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    <title>GSEs</title>
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    <link>https://www.insidemortgagefinance.com/rss</link>
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    <item>
      <title>Concerns Emerge for GSEs’ New Condo Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Stakeholders believe that while the new rules will reduce insurance costs, they will raise other costs, including for condo dwellers who don’t plan to buy, sell or refinance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237029</guid>
      <pubDate>Thu, 26 Mar 2026 12:06:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237029-concerns-emerge-for-new-condo-rules</link>
    </item>
    <item>
      <title>Grapevine: Two Harbors Vote Drags; GSEs’ Insurance Standards</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Two Harbors seeking more votes in favor of acquisition by UWM; GSEs to ease standards for condo insurance; DOJ subpoenas to Fed rejected.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236972</guid>
      <pubDate>Thu, 19 Mar 2026 13:49:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236972-grapevine-two-harbors-vote-extended-gses-loosen-homeowners-insurance-standards</link>
    </item>
    <item>
      <title>Credit Bureaus Slash Price of VantageScore for Mortgages</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The three major consumer reporting agencies are using discounted pricing and other strategies to drive adoption of VantageScore 4.0 among mortgage lenders. The score is the main competitor to FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236905</guid>
      <pubDate>Thu, 12 Mar 2026 11:39:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236905-vantagescore-pricing-dips</link>
    </item>
    <item>
      <title>Uncertainty Grows on GSEs Exiting Conservatorship</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Talk of a capital raise for Fannie Mae and Freddie Mac has waned in recent months, leading some policy experts to question whether the Trump administration has the appetite to take the GSEs public.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236774</guid>
      <pubDate>Thu, 26 Feb 2026 12:05:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236774-uncertainty-grows-on-gses-exiting-conservatorship</link>
    </item>
    <item>
      <title>Congress Returns to the Conservatorship Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236697</guid>
      <pubDate>Thu, 19 Feb 2026 11:52:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236697-congress-returns-to-the-conservatorship-debate</link>
    </item>
    <item>
      <title>Builders Weighing Rent-to-Own Model to Boost Supply</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The big homebuilders are purportedly planning to build a million starter homes to sell through a rent-to-own program. The Trump administration has distanced itself from any such proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236644</guid>
      <pubDate>Thu, 12 Feb 2026 11:35:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236644-the-trump-homes-proposal</link>
    </item>
    <item>
      <title>GSEs Seen as Poorly Positioned to Help With Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236656</guid>
      <pubDate>Thu, 12 Feb 2026 11:34:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability</link>
    </item>
    <item>
      <title>VantageScore 4.0 Was Not Approved by GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Documents released under a FOIA request indicated that the GSEs’ assessment of the new credit score requirements found that a single-bureau credit pull significantly underperformed both the tri-merge and bi-merge.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236577</guid>
      <pubDate>Thu, 05 Feb 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236577-vantagescore-40-was-not-approved-by-gses</link>
    </item>
    <item>
      <title>GSE Privatization Unlikely During Election Year</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236578</guid>
      <pubDate>Thu, 05 Feb 2026 11:57:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236578-gse-privatization-unlikely-during-election-year</link>
    </item>
    <item>
      <title>Trump’s Housing Affordability Conundrum</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The president wants to address housing affordability but also wants home prices to remain high because it has made a lot of people wealthy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236574</guid>
      <pubDate>Thu, 05 Feb 2026 11:52:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236574-trumps-housing-affordability-conundrum</link>
    </item>
    <item>
      <title>GSEs’ MBS Plan Prompts Revisions to Rate Forecasts</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[In mid-December, MBA was projecting interest rates would hold at 6.4% throughout 2026. However, MBA now anticipates the average rate will be 6.1% in the first quarter and hold at that level through the year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236502</guid>
      <pubDate>Thu, 29 Jan 2026 11:48:44 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236502-economists-make-adjustments-on-rate-forecasts</link>
    </item>
    <item>
      <title>CDIA Sides With CHLA in Tri-Merge Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The trade group representing credit reporting agencies said MBA’s proposal to move to a single-bureau report is more about lowering costs for lenders than saving money for consumers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236517</guid>
      <pubDate>Thu, 29 Jan 2026 11:46:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236517-credit-reporting-industry-disputes-claims-about-the-tri-merge</link>
    </item>
    <item>
      <title>GSE MBS Purchases Could Provide Only Temporary Boost</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236439</guid>
      <pubDate>Thu, 22 Jan 2026 11:55:31 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236439-major-long-term-rate-reduction-unlikely-after-gse-mbs-purchases</link>
    </item>
    <item>
      <title>Lenders Expect Origination Boost From GSE MBS Purchases</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[President Trump’s announcement that the GSEs will buy $200 billion of agency MBS prompted mortgage spreads to tighten by about 20 basis points and some lenders to offer mortgages below 6.00%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236382</guid>
      <pubDate>Thu, 15 Jan 2026 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236382-lenders-expect-rush-from-gse-mbs-purchases</link>
    </item>
    <item>
      <title>Trump’s MBS Purchase Plan Runs Counter to Fed Policy</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Treasury Secretary Scott Bessent confirmed industry speculation that President Trump directed the GSEs to purchase $200 billion in MBS to offset Federal Reserve policy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236381</guid>
      <pubDate>Thu, 15 Jan 2026 12:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236381-trumps-mbs-purchase-plan-runs-counter-to-fed-policy</link>
    </item>
    <item>
      <title>Pulte Leaves Many Threads Hanging After First Year at FHFA</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte delivered on some of his touted plans during 2025, with many other efforts in limbo.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236383</guid>
      <pubDate>Thu, 15 Jan 2026 12:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236383-2pultes-unrequited-2025-agenda</link>
    </item>
    <item>
      <title>A Slowdown in Home Price Appreciation Presents a Buyer’s Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Housing experts expect the market to undergo a course correction after years of rapid home price increases.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236311</guid>
      <pubDate>Thu, 08 Jan 2026 12:18:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236311-home-price-correction-drives-buyers-market-in-2026</link>
    </item>
    <item>
      <title>FHFA Touts Administration’s Housing Success</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage applications are on the upswing as interest rates and spreads fall. FHFA says Trump is responsible, but critics disagree.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236247</guid>
      <pubDate>Fri, 02 Jan 2026 09:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236247-fhfa-touts-administrations-housing-success</link>
    </item>
    <item>
      <title>Ginnie Servicing Share Ticks Up Again in Third Quarter</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mortgages tied to Ginnie Mae accounted for 18.3% of total servicing outstanding at the end of September. Some servicing share shifted away from the GSEs, though Fannie and Freddie still dominate. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236177</guid>
      <pubDate>Thu, 18 Dec 2025 11:59:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236177-ginnie-servicing-share-ticks-up-again-in-third-quarter</link>
    </item>
    <item>
      <title>MBA Seeks Score Threshold for Tri-Merge System at GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The MBA advanced a proposal to limit the tri-merge requirements on GSE mortgages to applicants with credit scores below 700, in an effort to reduce the cost of originating loans. Some argue that the real problem is pulling scores for borrowers who are never going to qualify for a mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236180</guid>
      <pubDate>Thu, 18 Dec 2025 11:55:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236180-revisiting-the-tri-merge-debate</link>
    </item>
    <item>
      <title>Freddie Mac Taps Former Deloitte Executive for CEO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Kenny Smith worked at Deloitte for more than 25 years before retiring in 2020. He isn’t well known among mortgage industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236190</guid>
      <pubDate>Thu, 18 Dec 2025 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236190-freddie-mac-taps-former-deloitte-executive-for-ceo</link>
    </item>
    <item>
      <title>Fannie Rumored to Consider Changes to Net Worth Requirements</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Long-time industry <span style=" font-style: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; widows: 2; word-spacing: 0px; display: inline !important; float: none;">analyst</span>&nbsp;Chris Whalen said the GSE plans to disqualify some types of capital from use to calculate net worth.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236128</guid>
      <pubDate>Thu, 11 Dec 2025 12:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236128-is-fannie-reconsidering-net-worth-calculation-for-large-nonbanks</link>
    </item>
    <item>
      <title>MBA Faces Pushback on Tri-Merge Shift</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The MBA continues to argue that the credit scores provided by Equifax, Experian and TransUnion are now so similar that lenders shouldn’t be required to pull all three. Credit bureaus disagree.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236082</guid>
      <pubDate>Thu, 04 Dec 2025 11:58:47 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236082-mba-faces-pushback-on-tri-merge-shift</link>
    </item>
    <item>
      <title>Small Boost to GSE Loan Limits in 2026; Home Price Outlook Flat</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Conforming loan limits for mortgages sold to Fannie Mae and Freddie Mac will rise by 3.3% in 2026, the smallest increase since 2017.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236060</guid>
      <pubDate>Thu, 04 Dec 2025 11:56:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236060-slowing-home-price-growth-leads-to-small-rise-in-loan-limits-in-2026</link>
    </item>
    <item>
      <title>Complications Await if GSEs Allow Assumable Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While government-insured mortgages are assumable, few assumptions are completed due to various obstacles. GSE mortgages were also assumable until the 1980s, when legal issues prompted a change.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236049</guid>
      <pubDate>Thu, 04 Dec 2025 11:51:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236049-complications-await-if-gses-allow-assumable-mortgages</link>
    </item>
    <item>
      <title>Grapevine: Bank Regulators Eye Mortgage Relief; FICO 10T Data</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Basel III re-proposal could include relief for mortgages; FICO to release historical data for 10T score.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236064</guid>
      <pubDate>Thu, 04 Dec 2025 11:50:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236064-grapevine-bank-regulators-eye-mortgage-relief-fico-10t-historical-data</link>
    </item>
    <item>
      <title>Trade Group Blasts Credit Reporting Price Hikes</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association has called on lawmakers to end tri-merge requirements for loans sold to the government-sponsored enterprises following reports of increased pricing for credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236010</guid>
      <pubDate>Wed, 26 Nov 2025 09:31:17 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236010-mba-blasts-credit-reporting-price-hikes</link>
    </item>
    <item>
      <title>Shareholder Ackman Refines Plan for GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSE investor said part of his plan can be accomplished immediately, but ending the conservatorship may take three years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235941</guid>
      <pubDate>Thu, 20 Nov 2025 12:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235941-ackman-refines-plan-for-gse-reform</link>
    </item>
    <item>
      <title>Trump Administration Hints at New Mortgage Products</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte touted possibility of a 50-year fixed-rate mortgage. Also under consideration: transferable and portable mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235890</guid>
      <pubDate>Thu, 13 Nov 2025 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235890-trump-administration-hints-at-new-mortgage-products</link>
    </item>
    <item>
      <title>Stakeholders Seek More Details in FHFA’s Strategic Plan</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders urged the regulator to spell out the GSEs’ conservatorship-era obligations that could apply even if Fannie and Freddie are released.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235874</guid>
      <pubDate>Thu, 13 Nov 2025 12:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235874-stakeholders-seek-more-details-in-fhfas-strategic-plan</link>
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