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Inside The GSEs

November 27, 2024

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FHLBank Income Slumps in 3Q24, Portfolios Hold Steady

A number of large banks have significantly scaled back their use of FHLBank advances, which is having an impact on the system’s income. In addition to rising voluntary investment in housing, the FHLBanks have boosted their single-family mortgage portfolios. (Includes three data tables.) Read More

Fannie, Freddie Loan Limits Increase by 5.2% for 2025

In some high-cost areas, Fannie Mae and Freddie Mac will be eligible to purchase mortgage loans as high as $1,209,750 for one-unit properties in 2025. Read More

Industry Protests GSEs’ New Insurance Verification Process

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. Read More

Bipartisan Congressional Group Protests Title Waivers

The Congressional Real Estate Caucus, supported by most of the mortgage industry trade groups, urged FHFA to suspend its title waiver pilot. Read More

GSEs Release Three-Year Equitable Housing Finance Plans

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. Read More

FHFA Releases Updated DTS Plans for GSEs

Fannie and Freddie have detailed how they plan to meet their obligations to provide liquidity and credit access to underserved communities. Read More

FHFA Hikes GSEs’ Multifamily Caps for 2025

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. Read More

GSEs Seen as Avenue for Property Insurance Reform

Urban Institute researchers suggest the GSEs push for universal flood insurance requirements and multiyear home insurance policies. Read More

Post-Hurricane Mortgage Performance for GSE Borrowers

An extra inch of rainfall during a hurricane increases the severe delinquency rate of GSE borrowers by about 0.013%. Read More

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