Buybacks of mortgages delivered to the GSEs declined in the fourth quarter. Still, repurchase activity was elevated for the year and the amount of unresolved repurchases didn’t budge much in the fourth quarter. (Includes three data charts.)
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By the end of 2025, FHFA expects Fannie and Freddie to implement the use of FICO 10T and Vantage 4.0 into the mortgage process. Industry participants can expect a lot of hand-holding along the way.
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Based on the success of payment deferrals during the COVID-19 emergency and feedback from industry, FHFA has made the option a key part of loss mitigation for the GSEs.
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FHFA, a member of the PAVE task force, provided the bulk of the appraisal data that the task force will use for oversight, enforcement and research.
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In order to have a return on capital sufficient to attract private investors, the GSEs would have to charge g-fees of about 76 basis points, according to former Freddie CEO Don Layton.
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