https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Proposed legislation would allow Fannie Mae and Freddie Mac to purchase and securitize residential construction loans, provided those projects meet certain affordability and safety and soundness requirements. http://www.insidemortgagefinance.com/articles/237944 Fri, 10 Jul 2026 15:12:58 -0400 https://www.insidemortgagefinance.com/articles/237944-should-the-gses-support-home-construction dhollier@imfpubs.com In a scenario that Fannie and Freddie exit conservatorship, Urban Institute analysts believe that the courts will allow the uniform MBS to persist, even though it requires coordination between the GSEs that could invite antitrust litigation. http://www.insidemortgagefinance.com/articles/237956 Fri, 10 Jul 2026 15:10:08 -0400 https://www.insidemortgagefinance.com/articles/237956-umbs-vs-sherman-act dhollier@imfpubs.com Proposed changes would revamp the treatment of “Indian areas” and rural agricultural workers, along with altering the method of calculating area median income. http://www.insidemortgagefinance.com/articles/237841 Fri, 26 Jun 2026 12:07:00 -0400 https://www.insidemortgagefinance.com/articles/237841-fhfa-proposes-broad-revision-of-duty-to-serve-rule dhollier@imfpubs.com Despite the controversy surrounding his investigations into political enemies of the president, FHFA Director Bill Pulte is asking Congress for enforcement authority over suspected cases of fraud. http://www.insidemortgagefinance.com/articles/237850 Fri, 26 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237850-fhfa-renews-appeal-for-enforcement-authority dhollier@imfpubs.com Some economists suggest Fannie and Freddie should accept mortgages that include a modest prepayment penalty as a way to keep residential mortgage rates lower. But that would be a political challenge. http://www.insidemortgagefinance.com/articles/237597 Fri, 29 May 2026 12:10:08 -0400 https://www.insidemortgagefinance.com/articles/237597-new-perspectives-on-gse-reform bivey@imfpubs.com In a brief appearance on a show hosted by Steve Bannon, FHFA Director Bill Pulte suggested that part of the reason he was confirmed for the position was to address home prices. http://www.insidemortgagefinance.com/articles/237488 Fri, 15 May 2026 12:01:20 -0400 https://www.insidemortgagefinance.com/articles/237488-pulte-echoes-trump-in-push-for-housing-legislation dhollier@imfpubs.com Trump budget ignores GSE reform; Morningstar DBRS affirms AAA ratings on GSEs; Vice Capital an early adopter of new low loan balance payment categories; Fannie to simplify income eligibility calculations for some LLPA waivers. http://www.insidemortgagefinance.com/articles/237239 Fri, 17 Apr 2026 14:00:14 -0400 https://www.insidemortgagefinance.com/articles/237239-gse-roundup dhollier@imfpubs.com Experts at the bond giant criticized the random MBS purchases, GSE public offering plans and guarantee-fee reductions. http://www.insidemortgagefinance.com/articles/237198 Thu, 16 Apr 2026 16:08:20 -0400 https://www.insidemortgagefinance.com/articles/237198-pimco-skeptical-of-administrations-affordability-plans dhollier@imfpubs.com Conservative critics of the housing-finance system say preserving the status quo is more likely than a release from conservatorship or a government monopoly. http://www.insidemortgagefinance.com/articles/237086 Fri, 03 Apr 2026 11:54:36 -0400 https://www.insidemortgagefinance.com/articles/237086-conservatives-predict-the-future-of-the-gses dhollier@imfpubs.com By allowing the FHLBanks to once again provide credit enhancement for tax-exempt bonds, the bill’s sponsors hope it will reduce financing costs for community development in smaller municipalities. http://www.insidemortgagefinance.com/articles/236848 Fri, 06 Mar 2026 14:48:27 -0500 https://www.insidemortgagefinance.com/articles/236848-bill-would-expand-community-infrastructure-support-from-fhlbanks dhollier@imfpubs.com The White House may face some opposition from its own party if it moves toward major GSE reform without Congress. http://www.insidemortgagefinance.com/articles/236712 Fri, 20 Feb 2026 14:50:41 -0500 https://www.insidemortgagefinance.com/articles/236712-key-house-republican-challenges-trumps-gse-plans dhollier@imfpubs.com Freddie Mac taps a new CEO; Waters lashes out at Pulte; DOJ denies investigation into the FHFA director. http://www.insidemortgagefinance.com/articles/236228 Fri, 19 Dec 2025 12:56:25 -0500 https://www.insidemortgagefinance.com/articles/236228-gse-roundup dhollier@imfpubs.com Industry observers note that, despite its bold pronouncements about a public offering for the GSEs, the Trump administration still has not addressed the key issues that make this a risky proposition. http://www.insidemortgagefinance.com/articles/236072 Fri, 05 Dec 2025 13:35:22 -0500 https://www.insidemortgagefinance.com/articles/236072-gse-reform-gets-a-skeptical-reception dhollier@imfpubs.com Legislation could prompt a study by the GAO to see if a secondary market for securitizations of acquisition, development and construction loans would help increase the supply of new-built homes. http://www.insidemortgagefinance.com/articles/236092 Fri, 05 Dec 2025 13:34:23 -0500 https://www.insidemortgagefinance.com/articles/236092-senate-considers-gse-securitization-of-ad-and-c-loans dhollier@imfpubs.com FHFA Director Bill Pulte’s decision to rescind or amend existing agency guidance on fair lending and fair housing requirements has muddled the compliance requirements for Fannie and Freddie. http://www.insidemortgagefinance.com/articles/236088 Fri, 05 Dec 2025 13:32:29 -0500 https://www.insidemortgagefinance.com/articles/236088-gao-fhfa-should-provide-gses-more-guidance-on-fair-housing-policy dhollier@imfpubs.com Pershing Square founder Bill Ackman, who earlier this year pitched a swift end to the conservatorship, now says it could take as long as three years. He also has some near-term suggestions. http://www.insidemortgagefinance.com/articles/235962 Fri, 21 Nov 2025 15:12:05 -0500 https://www.insidemortgagefinance.com/articles/235962-ackman-taps-the-brakes-on-gse-reform dhollier@imfpubs.com FHFA’s bid to reduce the GSEs’ low- and very-low-income benchmarks was praised by some lender groups, but disparaged by affordable housing advocates. http://www.insidemortgagefinance.com/articles/235828 Fri, 07 Nov 2025 13:58:18 -0500 https://www.insidemortgagefinance.com/articles/235828-housing-finance-world-debates-new-housing-goals dhollier@imfpubs.com According to an analysis by a former FHFA economist, GSE market share ranges from 14.5% in Eagle Pass, TX, to 67.0% in Boulder, CO. Except for Puerto Rico, these disparities are widest in the South and Southwest. http://www.insidemortgagefinance.com/articles/235849 Fri, 07 Nov 2025 13:54:20 -0500 https://www.insidemortgagefinance.com/articles/235849-uneven-access-to-the-gses dhollier@imfpubs.com Trump administration hinted a GSE stock sale might resemble its recent Intel deal, potentially seeding a national sovereign wealth fund. http://www.insidemortgagefinance.com/articles/235174 Fri, 29 Aug 2025 11:44:22 -0400 https://www.insidemortgagefinance.com/articles/235174-pulte-puts-gses-valuation-at-1-trillion dhollier@imfpubs.com Industry insiders worry that mixed signals from the Trump administration makes complex decisions, like ending the conservatorship, more difficult. http://www.insidemortgagefinance.com/articles/235095 Fri, 15 Aug 2025 13:10:05 -0400 https://www.insidemortgagefinance.com/articles/235095-more-uncertainty-about-future-of-gses dhollier@imfpubs.com A proposed rule change could spell the end of FHFA regulations requiring the GSEs to file triennial equitable housing finance plans. http://www.insidemortgagefinance.com/articles/234965 Fri, 01 Aug 2025 15:11:42 -0400 https://www.insidemortgagefinance.com/articles/234965-fhfa-proposes-repeal-of-fair-lending-rules dhollier@imfpubs.com Republicans may hope to use any windfall the government gets from selling its stake in the GSEs to offset revenue cuts in their “Big Beautiful Bill,” but housing advocates have other ideas. http://www.insidemortgagefinance.com/articles/234591 Fri, 20 Jun 2025 15:12:46 -0400 https://www.insidemortgagefinance.com/articles/234591-gse-reform-and-affordable-housing dhollier@imfpubs.com Housing finance stakeholders continue to debate whether the Trump administration can safely release Fannie and Freddie from conservatorship. http://www.insidemortgagefinance.com/articles/234459 Fri, 06 Jun 2025 14:35:40 -0400 https://www.insidemortgagefinance.com/articles/234459-schism-over-impact-of-gses-release-from-conservatorship dhollier@imfpubs.com President Trump said he’s seriously considering letting Fannie Mae and Freddie Mac go public. Industry participants are now waiting for specific details. http://www.insidemortgagefinance.com/articles/234344 Fri, 23 May 2025 15:35:06 -0400 https://www.insidemortgagefinance.com/articles/234344-trump-says-he-might-end-conservatorship-now-what dhollier@imfpubs.com Critics say capital is not necessarily the main impediment to ending the conservatorship. A bigger problem is the lack of planning on what the GSEs should look like after they exit. http://www.insidemortgagefinance.com/articles/234210 Fri, 09 May 2025 15:51:43 -0400 https://www.insidemortgagefinance.com/articles/234210-whats-blocking-recap-and-release-of-the-gses dhollier@imfpubs.com Like most GSE reform plans, the hedge funder’s plan to privatize Fannie and Freddie starts with Treasury writing down its senior preferred shares and FHFA sharply reducing the capital requirements for the GSEs. http://www.insidemortgagefinance.com/articles/234090 Fri, 25 Apr 2025 14:44:33 -0400 https://www.insidemortgagefinance.com/articles/234090-two-timelines-for-gse-reform dhollier@imfpubs.com Smaller shops may support an end to the GSE conservatorships, but only if it’s done in a way that preserves pricing parity, avoids additional charters and maintains the cash window. http://www.insidemortgagefinance.com/articles/233978 Fri, 11 Apr 2025 15:07:00 -0400 https://www.insidemortgagefinance.com/articles/233978-smaller-lenders-see-risks-and-rewards-in-gse-reform dhollier@imfpubs.com Executives from Annaly and Two Harbors worry that ending the conservatorships of the GSEs could fundamentally change the buyer base for their mortgage-backed securities. http://www.insidemortgagefinance.com/articles/233717 Fri, 14 Mar 2025 15:46:32 -0400 https://www.insidemortgagefinance.com/articles/233717-reits-skeptical-about-gse-reform dhollier@imfpubs.com Would exiting conservatorship expose Fannie and Freddie to more or less risk from political meddling? http://www.insidemortgagefinance.com/articles/233577 Fri, 28 Feb 2025 14:40:56 -0500 https://www.insidemortgagefinance.com/articles/233577-administrative-gse-reform-or-the-status-quo dhollier@imfpubs.com Rejiggering the Rube Goldberg machine of housing finance will require careful thought and timing. Unless Trump does it with an executive order. http://www.insidemortgagefinance.com/articles/233475 Fri, 14 Feb 2025 16:07:00 -0500 https://www.insidemortgagefinance.com/articles/233475-experts-urge-caution-on-gse-reform