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GSE Reform

How potential changes to the GSEs could affect mortgage rates

GSE Reform, Mortgage Rates, Originations, Politics and policy, Secondary markets, Servicing, The Great American Mortgage Corporation /

Some government-sponsored enterprise reform models could add three or four figures to monthly payments, but others could exert some limited downward pressure, a Stanford Institute for Economic Policy Research report finds. Estimated mortgage-rate hikes of 0.2% to 0.8% — an additional $500 to $2,000 for the typical homebuyer — could result in certain scenarios, authors […]

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Commerce Secretary Lutnick says Fannie, Freddie IPO ‘could well be this year’

Conservatorship, Department of Commerce, Fannie Mae, Freddie Mac, GSE Reform, GSEs, HWmember, IPO, Mortgage, Regulatory, Trump administration /

As the mortgage industry prepares for the Trump Administration’s plans for an initial public offering (IPO) of the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, U.S. Department of Commerce Secretary Howard Lutnick appeared on CNBC to offer his comments on the subject. During the interview aired Thursday, Lutnick disclosed that the IPO “could well

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Top 5 IMB priorities for GSEs in a post-conservatorship world

Community Home Lenders of America, Fannie Mae, Freddie Mac, GSE Reform, GSEs, Opinion, Origination, Regulatory /

On Friday, 46 independent mortgage banks (IMBs) jointly sent a letter to Treasury Secretary Scott Bessent and FHFA Director Bill Pulte, laying out priorities for IMBs for a successful Fannie Mae/Freddie Mac exit from conservatorship. Spearheaded by the Community Home Lenders of America (CHLA), the only national group that exclusively represents IMBs, this IMB sign-on

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How Fannie Mae, Freddie Mac release could change mortgage costs

Fannie Mae, Freddie Mac, GSE Reform, GSEs, The Great American Mortgage Corporation /

Enjoy complimentary access to top ideas and insights — selected by our editors. A number of observers have speculated about how the prospective release of Fannie Mae and Freddie Mac from government conservatorship will impact the residential mortgage market and mortgage loan costs. The good news is that the two GSEs will benefit dramatically from

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Ex-GSE risk chief makes case for Fannie-Freddie merger

Conservatorship, Fannie Mae, Freddie Mac, Government-Sponsored Enterprise, GSE Reform, GSEs, HWmember, LendingLife, Mortgage, private-label securities, Regulatory, Secondary market /

Clifford Rossi speaks from the vantage point of someone who has been inside the government-sponsored enterprises (GSEs). In different periods during the 1990s and 2000s, he served as a senior financial economist at Fannie Mae and as senior director of single-family risk management at Freddie Mac. Rossi was among the earliest advocates of merging the

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MBA opposes GSE merger, supports explicit government guarantee

Conservatorship, Fannie Mae, Freddie Mac, GSE Reform, GSEs, HWmember, LendingLife, Mike Fratantoni, Mortgage, Mortgage Bankers Association, Regulatory, Stock Market, Trump administration /

In the debate over whether Fannie Mae and Freddie Mac should merge, the Mortgage Bankers Association (MBA) has remained consistent: “We don’t think that would be a good idea,” chief economist Mike Fratantoni said. The trade group supports a stock offering that preserves stability in the secondary mortgage market while advocating for privatization with an

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Shareholder Edge One Capital proposes Fannie-Freddie exit without higher rates

Conservatorship, Fannie Mae, FHFA, Freddie Mac, GSE Reform, HWmember, LendingLife, Mortgage, Regulatory, Trump administration /

Edge One Capital has disclosed its stake in Fannie Mae and Freddie Mac, calling the government’s prolonged control of the mortgage giants the “largest shareholder rights violation in U.S. history.” It’s also proposing a road map to return them to private ownership without the consequence of higher mortgage rates. The Raleigh, North Carolina–based investment firm’s

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President Trump envisions November launch for mortgage IPO

Capital markets, Fannie Mae, Freddie Mac, GSE Reform, GSEs, Politics and policy, Secondary markets /

The oversight agency for two government-sponsored enterprises sent out an image from President Trump over the weekend depicting a public offering for some of their shares near term but experts question the timing. The illustration from President Trump’s Truth Social post, like some others he’s posted around his policy initiatives, is designed to depict an

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Trump seems to confirm 2025 timing for Fannie, Freddie IPO

Donald Trump, Fannie Mae, Freddie Mac, GSE Reform, Housing Market, HWmember, Mortgage, Politics /

On Saturday, President Donald Trump seemed to acknowledge reporting by The Wall Street Journal on Friday that he plans to IPO Fannie Mae and Freddie Mac by the end of this year. Trump posted an AI image on Truth Social of him at the New York Stock Exchange with the words: MAGA LISTED NYSE and

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Trump’s GSE stock offering plan challenged by analysts

Conservatorship, Fannie Mae, Freddie Mac, GSE Reform, GSEs, HWmember, IPO, LendingLife, Mortgage, Regulatory, Trump administration /

Analysts are tempering expectations after reports that the Trump administration aims to sell shares of Fannie Mae and Freddie Mac by the end of 2025 at a combined valuation of $500 billion — more than double some market estimates. They’re concerned about the feasibility of completing all necessary steps by year’s end. Meanwhile, the federal

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