Industry trade groups want FHFA to rescind recently issued GSE guidelines and related surveys, and instead use the request-for-input process to make policy changes.
Both enterprises plan for expanded use of SPCPs and downpayment assistance programs to lower the cost of getting a mortgage for low- and moderate-income borrowers.
Although Fannie Mae and Freddie Mac failed to reach their multifamily volume caps in 2022, 2023 and probably 2024, FHFA raised the caps from $140 billion to $146 billion for 2025.
Mortgage industry stakeholders speculate about who Trump will nominate to oversee Fannie Mae and Freddie Mac and determine whether they remain in conservatorship or are re-privatized.
The reduction in fees for mortgages on homes that qualify for the GSEs’ housing goals are estimated to increase Fannie and Freddie acquisitions by 37,000 loans in 2025.
Industry trade groups noted that the increase comes on top of a 400% price hike over the past two years. They also argued that the credit re-porting bureaus will inevitably add additional price hikes.
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