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FHFA

Calls to rethink FHFA credit changes grow with FOIA reveals

Calls to rethink FHFA credit changes grow with FOIA reveals

Credit, FHFA, Secondary markets /

Newly released documents from a Biden-era Freedom of Information Act filing by the Housing Policy Council are reigniting debate over credit score modernization at Fannie Mae and Freddie Mac, showing internal resistance to VantageScore 4.0 and skepticism about using a single credit report.   Processing Content HPC highlights two takeaways from the redacted FOIA responses: that […]

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FHFA reports clean GAO audit for fiscal year 2025

Fannie Mae, Federal Home Loan Banks, FHFA, Freddie Mac, Government Accountability Office, Government Lending, HWmember, Mortgage, Regulatory /

The Federal Housing Finance Agency (FHFA)’s annual Performance and Accountability Report was published on Friday, revealing that the agency received clean audit results for fiscal year 2025 from the Government Accountability Office (GAO). The report disclosed that the GAO did not find any “material weaknesses or unacceptable risks.” The FHFA received an unmodified audit opinion

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Is the lock-in effect loosening its grip on housing? Realtor.com thinks so

Data & Visuals, FHFA, Homebuying, Housing Market, HWmember, Mortgage Rates, Real Estate, Realtor.com /

U.S. homeowners who carry mortgages with rates of 6% or more now outnumber those with rates below 3%. This should drive a “meaningful shift in the housing market after years of historically low borrowing costs,” according to a Realtor.com report released Wednesday. The company analyzed residential mortgage data from the Federal Housing Finance Agency (FHFA)

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Bill Pulte seen as key instigator behind Powell subpoena

Federal Reserve, FHFA, Politics and policy /

Federal Housing Finance Agency Director Bill Pulte was a driving force behind the Trump administration’s decision to subpoena the Federal Reserve, according to people familiar with the matter, intensifying pressure on the central bank as President Donald Trump prepares to pick a new Fed chief. Processing Content Some of Trump’s allies were alarmed by the

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Trump directs GSEs to buy $200B in MBS to push mortgage rates lower

Donald Trump, Fannie Mae, FHFA, Freddie Mac, GSEs, HWmember, LendingLife, MBS, Mortgage, Mortgage Rates, Politics, Regulatory /

President Donald Trump said Thursday that he is directing representatives at the government-sponsored enterprises (GSEs) to purchase $200 billion in mortgage-backed securities (MBS), a move he said is intended to bring mortgage rates down. “Because I chose not to sell Fannie Mae and Freddie Mac in my First Term, a truly great decision, and against

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Easing GSE credit score requirements raises risk concerns

Credit Score, Fannie Mae, FHFA, FICO, Freddie Mac, Mortgage, Regulatory, VantageScore /

At a time when lack of affordability is a major issue for prospective homebuyers, eliminating minimum credit score requirements in GSE automated underwriting may sound like a great idea to expand credit access. However, there’s a reason the GSEs had such requirements in place for decades. They acted as an important override against errors in the analytical

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FHFA sets 2026-2028 housing goals for GSEs

Fannie Mae, FHFA, Freddie Mac, HWmember, Mortgage, Multifamily Housing, Regulatory, Single-Family Housing /

The Federal Housing Finance Agency (FHFA) on Tuesday issued a final rule setting housing goals for Fannie Mae and Freddie Mac for 2026 through 2028, lowering benchmarks from 2025-2027 levels. The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 requires the FHFA to establish several annual housing goals for single-family and multifamily mortgages

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FHFA sees middle class lift in axing Biden housing goals

Fannie Mae, FHFA, Freddie Mac, Originations, Regulation and compliance /

The U.S. Federal Housing Finance Agency says its new housing goals will help more middle class families get mortgages after being disadvantaged by Biden-era quotas. Processing Content The government-sponsored enterprises could purchase notably fewer loans in minority Census tracts over the next two years, according to the regulator’s plans unveiled Tuesday. The FHFA however anticipates

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Senate Democrats want FHFA chief Pulte to testify by January

FHFA, Mortgage Fraud, Politics and policy /

Senate Democrats are pressing their Republican colleagues to summon the Trump administration’s top housing regulator to Capitol Hill for questioning about his turbulent tenure overseeing the nation’s $13 trillion mortgage market.  Federal Housing Finance Agency Director Bill Pulte should be called to testify before lawmakers no later than the end of January, the Democratic members

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FHFA raises conforming loan limit to $832,750 for 2026

Fannie Mae, FHFA, Freddie Mac, HWmember, LendingLife, Mortgage, Origination /

The baseline conforming loan limit is set to increase by 3.25% in 2026, with Fannie Mae and Freddie Mac now authorized to purchase mortgages up to $832,750 for one-unit properties in most parts of the country, according to the Federal Housing Finance Agency (FHFA). The new limit, aligned with home-price trends, indicates a weaker housing

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