Analysts at the Urban Institute called for changes at the GSEs and FHA to make adjustable-rate mortgages more attractive for borrowers.

Experts speaking at SFVegas this week think the White House's interest in removing the GSEs from conservatorship could be dwindling.

Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.

President Trump’s directive to lower interest rates helped spur a tightening in mortgage spreads, but economists are skeptical of the long-term impact of the move involving GSE purchases of MBS.

Non-agency lenders are expecting an increase in originations following the Trump administration’s announcement that the GSEs will add $200 billion to their MBS holdings.

Non-agency industry participants are speculating how the non-qualified mortgage market would react if the government-sponsored enterprises go private.

Well below 1.0% of mortgages originated in 2024 had 40-year terms.

Mortgage deliveries to the GSEs were up 14.5% from September to October, according to data from Inside The GSEs.

Trends split during the third quarter in terms of GSE business involving private mortgage insurance. Purchase-mortgage volume increased and refis declined. (Includes three data tables.)

The LLPA change, if it comes, would only apply to mortgages on second homes and cash-out refinances.