Description+goes+here https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Proposed legislation revives congressional debate about ending the conservatorships. But mortgage industry stakeholders are skeptical about the bills chance of passage. http://www.insidemortgagefinance.com/articles/237918 Fri, 10 Jul 2026 15:13:02 -0400 https://www.insidemortgagefinance.com/articles/237918-house-bill-would-codify-conservatorship-reforms 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 Former Freddie CEO believes recap-and-release will not be completed while President Trump is in office. http://www.insidemortgagefinance.com/articles/237964 Fri, 10 Jul 2026 15:11:06 -0400 https://www.insidemortgagefinance.com/articles/237964-no-end-in-sight-for-the-conservatorship 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 Lenders responsible for the majority of conventional mortgage originations are currently using VantageScore in some fashion, but it’s still not clear how they deal with differences between VS4 and classic FICO. http://www.insidemortgagefinance.com/articles/237730 Fri, 12 Jun 2026 16:04:00 -0400 https://www.insidemortgagefinance.com/articles/237730-unanswered-questions-about-vantagescore-40-adoption dhollier@imfpubs.com Four of the 11 regional Federal Home Loan Banks saw double-digit declines in net income in the first quarter, even though total assets grew for the period. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237586 Fri, 29 May 2026 12:14:04 -0400 https://www.insidemortgagefinance.com/articles/237586-margins-dip-at-the-fhlbanks 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 dhollier@imfpubs.com Both VantageScore and FICO have commissioned research to support their claims of superiority. But the truth probably won’t be known until VantageScore 4.0 and FICO 10T compete head-to-head. http://www.insidemortgagefinance.com/articles/237442 Fri, 15 May 2026 12:08:13 -0400 https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t dhollier@imfpubs.com Until Fannie and Freddie are more transparent about the loan-level pricing adjustment grids for the new credit score, lenders and investors will remain cautious about its implementation. http://www.insidemortgagefinance.com/articles/237362 Fri, 01 May 2026 16:21:02 -0400 https://www.insidemortgagefinance.com/articles/237362-questions-remain-on-vantagescore-40-implementation dhollier@imfpubs.com If FHFA reduces the GSEs’ capital requirements, that would be a key signal that efforts are moving forward to end the conservatorship of Fannie Mae and Freddie Mac. http://www.insidemortgagefinance.com/articles/237355 Fri, 01 May 2026 16:20:03 -0400 https://www.insidemortgagefinance.com/articles/237355-gaming-out-gse-reform dhollier@imfpubs.com Industry watchers believe GSE reform is probably off the table until after the mid-term elections at least, as the administration’s focus has shifted to other priorities. http://www.insidemortgagefinance.com/articles/237369 Fri, 01 May 2026 16:15:06 -0400 https://www.insidemortgagefinance.com/articles/237369-status-quo-for-fannie-and-freddie 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 GSEs delay UCD timeline; updates on Pulte’s legal battles with Trump opponents; Fed’s MBS holdings continue to dwindle; Opendoor to partner with Fannie’s Title Acceptance Program. http://www.insidemortgagefinance.com/articles/237111 Fri, 03 Apr 2026 11:51:43 -0400 https://www.insidemortgagefinance.com/articles/237111-gse-roundup dhollier@imfpubs.com What the GSEs are worth to the federal government; new MBS disclosures; former Freddie VP resurfaces at the helm of nonprofit. http://www.insidemortgagefinance.com/articles/237000 Fri, 20 Mar 2026 14:14:19 -0400 https://www.insidemortgagefinance.com/articles/237000-gse-roundup 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 Mergers caused deliveries of conventional mortgages from Rocket and Bayview to spike, reshuffling the leaderboard for GSE sellers. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/236612 Fri, 06 Feb 2026 15:00:30 -0500 https://www.insidemortgagefinance.com/articles/236612-m-and-a-reshapes-conventional-mortgage-market dhollier@imfpubs.com The GSEs were already quietly adding MBS to their portfolios before Trump directed them to purchase $200 billion more. Investors may now be paying a price for that intervention. http://www.insidemortgagefinance.com/articles/236618 Fri, 06 Feb 2026 14:50:32 -0500 https://www.insidemortgagefinance.com/articles/236618-the-unintended-consequences-of-buying-200-billion-in-mbs dhollier@imfpubs.com Some critics argue that forcing Fannie Mae and Freddie Mac to intervene in the mortgage-backed securities market may indicate their recapitalization and release from conservatorship is now on hold. http://www.insidemortgagefinance.com/articles/236455 Fri, 23 Jan 2026 15:58:44 -0500 https://www.insidemortgagefinance.com/articles/236455-the-unintended-consequences-of-the-gses-purchasing-200-billion-mbs dhollier@imfpubs.com Freddie multifamily acquisitions more than doubled from the second quarter to the third, suggesting the GSE was responsible for most of the $27.84 billion spike in multifamily debt held in federal agencies and GSE portfolio and MBS. http://www.insidemortgagefinance.com/articles/236479 Fri, 23 Jan 2026 15:48:56 -0500 https://www.insidemortgagefinance.com/articles/236479-gse-multifamily-holdings-surge dhollier@imfpubs.com The president wants Fannie and Freddie to buy $200 billion in agency MBS to lower interest rates and reduce the cost of buying a home. Initial reaction from MBS analysts was mixed. http://www.insidemortgagefinance.com/articles/236355 Fri, 09 Jan 2026 15:37:24 -0500 https://www.insidemortgagefinance.com/articles/236355-trumps-200-billion-housing-policy dhollier@imfpubs.com A negative profitability gap means the guarantee fees on newly acquired loans weren’t enough to cover the expected cost of guaranteeing the loans and earning the expected return on capital. http://www.insidemortgagefinance.com/articles/236350 Fri, 09 Jan 2026 15:35:26 -0500 https://www.insidemortgagefinance.com/articles/236350-profitability-gap-on-g-fees-went-negative-in-2024 dhollier@imfpubs.com UWM, Rocket and Pennymac all sold fewer mortgages to the GSEs in November than in October. That contributed to a 1.3% monthly decline in GSE MBS issuance. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/236079 Fri, 05 Dec 2025 13:39:19 -0500 https://www.insidemortgagefinance.com/articles/236079-largest-sellers-see-gse-deliveries-wane-in-november 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 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 Mortgage industry stakeholders discussed what happens to the UMBS, LLPAs and capital rules if shares in the GSEs are sold without letting them out of conservatorship. http://www.insidemortgagefinance.com/articles/235982 Fri, 21 Nov 2025 15:09:11 -0500 https://www.insidemortgagefinance.com/articles/235982-gse-reform-without-ending-conservatorships dhollier@imfpubs.com Enhancements to CRT disclosures introduce three new fields and modify one existing field. http://www.insidemortgagefinance.com/articles/235984 Fri, 21 Nov 2025 15:07:14 -0500 https://www.insidemortgagefinance.com/articles/235984-credit-score-changes-to-impact-crt-disclosures 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 Amid pressure from some lender trade groups, Fannie Mae and Freddie Mac increased their investments in agency MBS during the third quarter. The move can drive down mortgage rates and goose GSE profits. (Includes data table.) http://www.insidemortgagefinance.com/articles/235780 Thu, 30 Oct 2025 16:32:08 -0400 https://www.insidemortgagefinance.com/articles/235780-gses-boost-portfolios