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    <item>
      <title>GSE Pilots MBS Sale With VantageScore</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[One of the GSEs has quietly issued an MBS comprised of loans underwritten using VantageScore 4.0.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237053</guid>
      <pubDate>Thu, 26 Mar 2026 16:58:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237053-vantagescore-ceo-confirms-mbs-rumor</link>
    </item>
    <item>
      <title>Freddie’s New K-Deal Strategy to Boost Interest Income</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The shift from senior subordinate securitizations to predominantly fully guaranteed securitizations is expected to increase revenues for Freddie’s multifamily business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236705</guid>
      <pubDate>Thu, 19 Feb 2026 15:51:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236705-freddie-mac-launches-new-k-deal-strategy</link>
    </item>
    <item>
      <title>GSEs Shifting Practices With Cash Window</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac appear to be using aggressive pricing at the cash window to boost whole loan purchases, then retaining the most attractive coupons.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236665</guid>
      <pubDate>Thu, 12 Feb 2026 16:38:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236665-whats-happening-at-the-cash-window</link>
    </item>
    <item>
      <title>Ackman Proposes New Type of Mortgage for the GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A mortgage with a prepayment penalty might be as much as 65 basis points cheaper for borrowers, according to GSE shareholder Bill Ackman.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236393</guid>
      <pubDate>Thu, 15 Jan 2026 16:12:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236393-ackman-proposes-new-type-of-mortgage-for-the-gses</link>
    </item>
    <item>
      <title>Freddie to End Exchange Offer That Enabled UMBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie sets an end date for investors to exchange legacy securities for those created as part of the single security initiative.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236255</guid>
      <pubDate>Fri, 02 Jan 2026 10:01:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236255-last-stage-of-the-umbs-revolution</link>
    </item>
    <item>
      <title>Agency MBS Investors Brace for Higher Prepayment Rates</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The prepayment rate on agency MBS hit a high for the year in September and that’s expected to be topped again in October. Analysts note that their prepayment models are off due to changes in lenders’ practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235627</guid>
      <pubDate>Thu, 16 Oct 2025 17:34:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235627-agency-mbs-investors-brace-for-higher-prepayment-rates</link>
    </item>
    <item>
      <title>GSEs Throttle Green Bond Issuance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Neither Fannie nor Freddie issued any green bonds in the third quarter, though social bond issuance has been relatively healthy.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235629</guid>
      <pubDate>Thu, 16 Oct 2025 17:32:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235629-gses-throttle-green-bond-issuance</link>
    </item>
    <item>
      <title>FHA Spec Stories Gaining Traction in MBS</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Issuers are looking to create spec pools of FHA loans to help reduce default risk.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235084</guid>
      <pubDate>Thu, 14 Aug 2025 16:21:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235084-fha-spec-stories-gaining-traction-in-capital-markets</link>
    </item>
    <item>
      <title>Trump Promises Implicit Guarantee for GSE MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[President Trump attempted to mollify concerns about the post-conservatorship guarantee of GSE MBS, but questions remain about the regulatory treatment of those securities and the TBA market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234412</guid>
      <pubDate>Thu, 29 May 2025 16:08:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234412-market-responds-to-trump-gse-comments</link>
    </item>
    <item>
      <title>Insurance Companies Picking Up Some Slack in Agency MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Fed is allowing its holdings of agency MBS to run off and many other big players in the MBS market appear to be close to tapped out.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234337</guid>
      <pubDate>Thu, 29 May 2025 16:05:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234337-goldman-sachs-who-replaces-the-fed-the-mbs-market</link>
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      <title>Grapevine: Fed Stays Course With MBS Holdings; Ginnie Mae Buydown Change</title>
      <description>
        <![CDATA[The Federal Reserve is allowing its MBS holdings to run off in a predictable manner; Ginnie provides more details on change to buydown policy; Cerberus affiliate issues securitization of closed-end second liens.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234353</guid>
      <pubDate>Thu, 22 May 2025 16:00:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234353-grapevine-fed-stays-course-with-mbs-holdings-ginnie-buydown-change</link>
    </item>
    <item>
      <title>Green and Social Bonds in the Trump Era</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[It’s not clear how the Federal Housing Finance Agency’s decision to cut the DEI and ESG programs at the GSEs will impact MBS issuance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234278</guid>
      <pubDate>Thu, 15 May 2025 16:15:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234278-green-and-social-bonds-in-the-trump-era</link>
    </item>
    <item>
      <title>Changes to Multifamily MBS Support Municipal Bond Investors </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New capabilities added to Freddie Mac’s basic ML-deal will allow corporate CUSIPs to be converted to municipal CUSIPs without impacting the tax-exempt status of the securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232818</guid>
      <pubDate>Wed, 27 Nov 2024 11:53:49 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232818-ml-deals-tweaked-to-support-municipal-bond-investors</link>
    </item>
    <item>
      <title>Dwight Mortgage Trust Issues Large Multifamily Q-Deal</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The REIT pooled nine multifamily affordable commercial real estate loans in a $384 million securitization.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232738</guid>
      <pubDate>Thu, 21 Nov 2024 16:28:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232738-freddie-mac-closes-largest-q-deal-in-two-years</link>
    </item>
    <item>
      <title>Agency MBS Investors Paying Up for Manufactured Housing Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Manufactured housing loans remain a tiny fraction of GSE acquisitions, but that share has nearly doubled since 2019 and plays an important role in spec pooling.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232614</guid>
      <pubDate>Thu, 07 Nov 2024 16:25:59 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232614-manufactured-housing-loans-and-agency-mbs</link>
    </item>
    <item>
      <title>Grapevine: LIBOR Transition; Downgrades for MBIA MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Deals rated by Moody’s successfully navigated the end of LIBOR reporting; vintage MBS wrapped by MBIA downgraded; GSEs, Ginnie increase MBS disclosures; ICE offers emissions estimates for MBS; new TBA trading app from South Street Securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232344</guid>
      <pubDate>Thu, 10 Oct 2024 16:00:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232344-grapevine-libor-transition-succeeds-downgrades-for-mbia-wrapped-mbs</link>
    </item>
    <item>
      <title>GSEs Tout Success of Mission Index Issuance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[With an eye toward attracting more mature ESG investors from Europe, Fannie and Freddie updated their Mission Index scoring.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231119</guid>
      <pubDate>Thu, 23 May 2024 16:48:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231119-gses-tout-success-of-mission-index-issuance</link>
    </item>
    <item>
      <title>Regional Bank Provides ARMs for MBS from Annaly</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Annaly Capital Management is preparing to issue a rare non-agency MBS stocked solely with bank-originated adjustable-rate mortgages. Loans in the MBS were originated by Associated Bank.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230146</guid>
      <pubDate>Thu, 08 Feb 2024 14:55:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230146-regional-bank-provides-originations-for-arm-mbs-from-annaly</link>
    </item>
    <item>
      <title>Freddie’s K-Deals Performing Better Than Non-Agency Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Declining multifamily valuations are pushing up capitalization rates while reducing debt service coverage ratios.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229998</guid>
      <pubDate>Fri, 26 Jan 2024 13:05:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229998-k-deals-vs-non-agency-multifamily-cmbs</link>
    </item>
    <item>
      <title>Rare Resecuritization of Freddie K-Deal Issued</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Bank of America issued a resecuritization this week tied to a 2017 multifamily K-deal. It’s the first rated issuance of its kind from BofA since 2016. The new resecuritization received an A- rating.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229968</guid>
      <pubDate>Thu, 25 Jan 2024 16:11:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229968-freddie-markets-rare-k-deal-resecuritization</link>
    </item>
    <item>
      <title>Pooling Strategies in a Shrinking Market</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[While securitizations are often the best execution for Ginnie Mae loans, small and mid-sized GSE lenders will typically prefer the cash window.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228726</guid>
      <pubDate>Thu, 24 Aug 2023 17:10:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228726-pooling-strategies-in-a-shrinking-market</link>
    </item>
    <item>
      <title>Grapevine: AGMIT Also Looking to Acquire WAMC; DBRS Shifts on CMBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[AG Mortgage Investment Trust lodged a competing bid for Western Asset Mortgage Capital; Fannie, Freddie, Ginnie added to MBS disclosures; RMF sold some reverse mortgage MSRs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228334</guid>
      <pubDate>Thu, 13 Jul 2023 17:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228334-grapevine-agmit-also-looking-to-acquire-wamc-new-mbs-disclosures</link>
    </item>
    <item>
      <title>Slicing and Dicing Specified Pools</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Agency MBS industry insiders recently discussed specified pools, prepayment rates, home price growth and problems with ESG investing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227212</guid>
      <pubDate>Thu, 09 Mar 2023 17:46:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227212-slicing-and-dicing-spec-pools</link>
    </item>
    <item>
      <title>Secondary Market Participants Working to Increase Use of eNotes</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[While Fannie Mae and Freddie Mac are the dominant outlets for eNotes, other entities are looking to boost adoption of the technology. Ginnie Mae has seen greater enthusiasm for eNotes than anticipated since launching its program in early 2021.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226868</guid>
      <pubDate>Thu, 02 Feb 2023 16:30:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226868-secondary-market-participants-working-to-increase-use-of-enotes</link>
    </item>
    <item>
      <title>MBS Investors Criticize GSEs’ New Social Index</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs’ social disclosures should be as granular and specific as those reported for credit-risk transfer deals, according to investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226755</guid>
      <pubDate>Thu, 19 Jan 2023 16:51:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226755-experts-criticize-gses-new-social-index</link>
    </item>
    <item>
      <title>Temporary Buydowns Impact MBS Prepayment Speeds</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[With lenders pushing mortgages that include a temporary buydown feature, MBS investors are pondering prepayment behavior for the loans. Expect loans with temporary buydowns to exhibit prepayment speeds similar to ARMs, according to an industry analyst.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226654</guid>
      <pubDate>Thu, 05 Jan 2023 16:51:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226654-temporary-buydowns-impact-mbs-prepayment-speeds</link>
    </item>
    <item>
      <title>Freddie Touts Impact of Green Bonds</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie Mac issued 84 green single-family mortgage-backed securities in 2021 that save 192,168 million BTUs of energy per year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226360</guid>
      <pubDate>Thu, 01 Dec 2022 17:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226360-freddie-touts-impact-of-green-bonds</link>
    </item>
    <item>
      <title>RMBS Outlook Dour, Performance Good Though</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[KBRA said that third-quarter MBS issuance volume didn’t meet its expectations and will drop rapidly in the coming year. Meanwhile, both DBRS and Moody’s noted that performance is stabilizing. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226327</guid>
      <pubDate>Wed, 23 Nov 2022 12:37:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226327-rmbs-issuance-looks-dour-deals-still-performing</link>
    </item>
    <item>
      <title>Grapevine: Credit Suisse Tidies Up / GSEs Align on Social Disclosures</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Credit Suisse settles legacy non-agency MBS lawsuit; Fannie and Freddie to publish aligned social disclosures for single-family MBS; bank trade groups seek change in FHFA’s capital treatment relating to access of FHLBs; Ginnie portal to re-open Oct. 25; aviation ABS investors in holding pattern on collateral in Russia.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226003</guid>
      <pubDate>Thu, 20 Oct 2022 16:04:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226003-grapevine-credit-suisse-tidies-up-gses-to-align-on-social-disclosures</link>
    </item>
    <item>
      <title>New Freddie Programs for Investors, Buyers and Sellers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Investors in Freddie’s new When-Issued K-Deal have the right to exchange them for K-deal A-M certificates to be issued in the future.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222467</guid>
      <pubDate>Thu, 16 Sep 2021 16:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222467-new-freddie-programs-for-investors-buyers-and-sellers</link>
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