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    <title>Affordable Housing</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>CHLA Seeks Targeted LLPA Cuts to Improve Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The trade group called for an all-of-government effort to solve the housing affordability crisis. That includes the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237363</guid>
      <pubDate>Fri, 01 May 2026 16:11:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237363-can-the-gses-impact-affordability</link>
    </item>
    <item>
      <title>Freddie Mac Adjusts Multifamily Small-Balance Loan Program</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The move will increase the size of eligible loans and the number of units allowed, but stiffer qualification requirements may alienate smaller landlords.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237215</guid>
      <pubDate>Fri, 17 Apr 2026 14:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237215-freddie-mac-merges-sbl-and-conventional-programs</link>
    </item>
    <item>
      <title>Trump Housing Policy Announced Via EO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although neither housing EO released last week by President Trump mentions them by name, it’s clear Fannie Mae and Freddie Mac will have a hand in implementing the proposed policy changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236992</guid>
      <pubDate>Fri, 20 Mar 2026 14:18:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236992-trump-housing-policy-announced-via-eo</link>
    </item>
    <item>
      <title>Study Finds GSE-Backed Investor Loans Crowd Out FTHBs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[AEI researchers said large institutional investors own about 1% of single-family homes vs. 11% for small-scale investors with low interest rate GSE-backed loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236723</guid>
      <pubDate>Fri, 20 Feb 2026 14:45:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236723-do-gse-backed-investor-loans-crowd-out-fthbs</link>
    </item>
    <item>
      <title>Freddie Extends Popular Home Possible Offering</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Very-low-income homebuyers have another year to take advantage of the $2,500 credit available through the Home Possible mortgage program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236619</guid>
      <pubDate>Fri, 06 Feb 2026 14:44:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236619-freddie-extends-popular-home-possible-offering</link>
    </item>
    <item>
      <title>Trump Admin Policies for GSEs Face Scrutiny</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Testimony from both liberal and conservative housing industry observers questioned the Trump administration’s policy regarding the future of Fannie and Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236477</guid>
      <pubDate>Fri, 23 Jan 2026 15:50:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236477-what-hfsc-witnesses-had-to-say-about-the-gses</link>
    </item>
    <item>
      <title>FHFA Finalizes Reduction in Affordable Housing Requirements</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Housing advocates say the new, lower benchmarks generally favor middle- and working-class borrowers at the expense low-income and very low-income borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236330</guid>
      <pubDate>Fri, 09 Jan 2026 15:36:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236330-fhfa-finalizes-reduction-in-affordable-housing-requirements</link>
    </item>
    <item>
      <title>FHFA Juices Multifamily Caps for GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Next year, the GSEs will see a $30 billion hike in their combined multifamily caps, which is in keeping with forecasts of more multifamily activity in 2026.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236094</guid>
      <pubDate>Fri, 05 Dec 2025 13:33:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236094-fhfa-juices-multifamily-caps-for-gses</link>
    </item>
    <item>
      <title>GSEs Faulted for Variations in Share Across Markets</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235849</guid>
      <pubDate>Fri, 07 Nov 2025 13:54:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235849-uneven-access-to-the-gses</link>
    </item>
    <item>
      <title>Trade Groups Call for More MBS Purchases by Fannie, Freddie</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Allowing the GSEs, under certain conditions, to purchase up to $300 billion in agency MBS each could reduce mortgage rates by as much as 30 basis points, lender groups say.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235707</guid>
      <pubDate>Fri, 24 Oct 2025 14:05:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235707-trade-groups-say-let-the-gses-purchase-mbs</link>
    </item>
    <item>
      <title>FHFA Seeks Input on New Strategic Plan</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The FHFA released its first strategic plan under the auspices of Director Bill Pulte. The plan reveals some differing priorities compared with the FHFA under the Biden administration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235693</guid>
      <pubDate>Fri, 24 Oct 2025 14:03:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235693-fhfa-seeks-input-on-strategic-plan</link>
    </item>
    <item>
      <title>Freddie Expands Financing Options for Manufactured Homes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The CHOICEHome product, previously only available for multisection factory-built homes, is now available for single-wides. It’s expected to improve housing options in rural and underserved areas.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235098</guid>
      <pubDate>Fri, 15 Aug 2025 13:08:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235098-freddie-expands-financing-options-for-manufactured-homes</link>
    </item>
    <item>
      <title>FHFA Doubles GSEs’ Low-Income Housing Tax Credit Caps</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs will now be able to invest a combined $4 billion a year in LIHTC affordable housing tax credits. At least half of that investment must be in difficult-to-serve LIHTC communities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235071</guid>
      <pubDate>Fri, 15 Aug 2025 13:07:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235071-fhfa-doubles-lihtc-caps</link>
    </item>
    <item>
      <title>FHFA Proposes Repeal of Fair Lending Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A proposed rule change could spell the end of FHFA regulations requiring the GSEs to file triennial equitable housing finance plans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234965</guid>
      <pubDate>Fri, 01 Aug 2025 15:11:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234965-fhfa-proposes-repeal-of-fair-lending-rules</link>
    </item>
    <item>
      <title>Congress Considers Bills With Some GSE Provisions</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A rare wave of bipartisanship swept through Congress last week, propelling a key piece of housing legislation through the Senate Banking Committee. And there are separate proposals in the House.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234953</guid>
      <pubDate>Fri, 01 Aug 2025 15:08:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234953-road-to-housing-runs-through-the-gses</link>
    </item>
    <item>
      <title>MBA Pushes GSEs for Construction Loan Pilot</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The trade group urged Fannie and Freddie to modernize their construction-to-permanent loan products to expand access to affordable housing and encourage more lenders to participate in these projects.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234968</guid>
      <pubDate>Fri, 01 Aug 2025 15:06:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234968-mba-pushes-pilot-for-upfront-securitization-of-a-key-loan-product</link>
    </item>
    <item>
      <title>Advocates Look to Link GSE Reform, Affordable Housing</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234591</guid>
      <pubDate>Fri, 20 Jun 2025 15:12:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234591-gse-reform-and-affordable-housing</link>
    </item>
    <item>
      <title>Schism Over Impact of GSEs’ Release From Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Housing finance stakeholders continue to debate whether the Trump administration can safely release Fannie and Freddie from conservatorship.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234459</guid>
      <pubDate>Fri, 06 Jun 2025 14:35:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234459-schism-over-impact-of-gses-release-from-conservatorship</link>
    </item>
    <item>
      <title>Advocates Condemn Staffing Reductions at Housing Agencies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A coalition of more than two dozen affordable and fair housing advocacy groups urged FHFA and HUD to reverse course on staffing cuts and program eliminations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234484</guid>
      <pubDate>Fri, 06 Jun 2025 14:19:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234484-housing-advocates-condemn-staffing-reductions-at-federal-housing-agencies</link>
    </item>
    <item>
      <title>Nevada Democrat Presses FHFA on Out-of-State Homebuyers</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[House Democrat Susie Lee of Nevada wants some answers about how many foreclosed homes in her state are bought by well-heeled investors from other places and how that affects the availability of affordable housing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234485</guid>
      <pubDate>Fri, 06 Jun 2025 14:18:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234485-nevada-democrat-seeks-information-on-out-of-state-homebuyers</link>
    </item>
    <item>
      <title>GSEs Adjust Message for the Pulte Era</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Speaking at the MBA’s secondary and capital markets conference this week, Fannie and Freddie executives appeared to tailor their remarks to address the priorities of the new FHFA director.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234360</guid>
      <pubDate>Fri, 23 May 2025 15:31:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234360-gses-adjust-message-for-the-pulte-era</link>
    </item>
    <item>
      <title>GSEs Implement New Area Median Income Levels</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie’s Desktop Underwriter and Freddie’s Loan Product Advisor were both updated to include FHFA’s 2025 area median income figures. The changes affect eligibility for duty-to-serve and affordable housing programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234369</guid>
      <pubDate>Fri, 23 May 2025 15:28:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234369-new-amis-go-into-effect</link>
    </item>
    <item>
      <title>Trade Groups Look for New Ways to Push Their Agendas</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[NAMB has urged FHFA to end the GSEs’ use of LLPAs targeting second homes and investment properties and to lower the AMI threshold for borrowers to qualify for affordable housing programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234098</guid>
      <pubDate>Fri, 25 Apr 2025 14:40:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234098-trade-groups-look-for-new-ways-to-push-their-agendas</link>
    </item>
    <item>
      <title>LLPAs on Second Homes Didn’t Work as Planned</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[CFPB researchers determined that, although loans for second homes declined after FHFA imposed steep fees on those loan types, the expected increase in primary-residence loans never materialized.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234103</guid>
      <pubDate>Fri, 25 Apr 2025 14:38:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234103-llpas-on-second-homes-didnt-work-as-planned</link>
    </item>
    <item>
      <title>Smaller Lenders See Risks and Rewards in GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233978</guid>
      <pubDate>Fri, 11 Apr 2025 15:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233978-smaller-lenders-see-risks-and-rewards-in-gse-reform</link>
    </item>
    <item>
      <title>HomeReady, Home Possible Look Set to Continue</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA’s ban on the GSEs’ use of special purpose credit programs doesn’t appear to apply to HomeReady or Home Possible, neither of which has a racial or ethnic requirement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233979</guid>
      <pubDate>Fri, 11 Apr 2025 15:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233979-continued-confusion-about-gses-special-purpose-credit-programs</link>
    </item>
    <item>
      <title>FHFA Rescinds Numerous Biden-Era Policies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA under the leadership of Bill Pulte has rescinded, deleted or closed at least eight agency directives without providing notice on the agency’s website or announcing the changes in a press release.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233847</guid>
      <pubDate>Fri, 28 Mar 2025 13:58:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233847-pulte-executes-policy-changes-via-x-account</link>
    </item>
    <item>
      <title>Pulte Slashes FHFA Staff, Revamps GSEs’ Boards</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The new FHFA director’s whirlwind first week resulted in widespread staffing cuts at the regulator and a dramatic change in leadership at the GSEs. So far, criticism has been muted.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233841</guid>
      <pubDate>Fri, 28 Mar 2025 13:56:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233841-housing-finance-and-the-pulte-effect</link>
    </item>
    <item>
      <title>Pulte Confirmed as FHFA Director; Outlook Uncertain</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Three Democrats joined Senate Republicans in a vote to make Bill Pulte, the grandson of the founder of homebuilding giant PulteGroup, the chief regulator of Fannie Mae, Freddie Mac and the Federal Home Loan Banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233722</guid>
      <pubDate>Fri, 14 Mar 2025 15:47:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233722-pulte-confirmed-as-fhfa-director</link>
    </item>
    <item>
      <title>Pulte Confirmation Hearing: Probably Good Enough</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although little is known about Pulte’s policy positions, his housing and philanthropic background have helped him win the support of most industry trade groups and many consumer advocacy organizations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233599</guid>
      <pubDate>Fri, 28 Feb 2025 14:42:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233599-pulte-confirmation-hearing-probably-good-enough</link>
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