FM Commentary

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FM Commentary
July 30, 2015

Celebrating the End of the Temporary Credit and Liquidity Program


by Jeffery Hayward
Executive Vice President, Multifamily Mortgage Business

Jeffery Hayward

Last week, the Temporary Credit and Liquidity Program ended, marking an important point in time for Fannie Mae and the country as we move farther away from the housing crisis. The Temporary Credit and Liquidity Program was launched in 2009 by the U.S. Treasury to provide liquidity support for variable rate demand bonds issued by state and local housing finance agencies.

Through this initiative, Fannie Mae provided additional support to HFAs to ensure they maintained their financial condition, which enabled them to continue their critical mission...Read more »

July 28, 2015

Survey Shows Lenders' Limited Credit Overlay Practices


by Li-Ning Huang
Senior Manager, Business Strategy, Economic & Strategic Research

Li-Ning Huang

The U.S. economy has improved significantly since the Great Recession, and mortgage credit standards are loosening gradually. Nevertheless, the homeownership rate continues to decline and remains currently at the lowest level since 1990. This situation has prompted policymakers, regulators, and industry participants to examine the appropriateness of credit standards and the availability of mortgage credit for American consumers.

Credit overlays, referring to stricter mortgage approval standards that lenders place above the guidelines set by investors (such as the GSEs), are a potential and often cited factor impacting consumers’ access to mortgage credit...Read more »

July 13, 2015

Introducing HOME by Fannie Mae, a New Educational Tool to Help Expand Access to Homeownership


Jonathan Lawless

by Jonathan Lawless
Vice President – Underwriting & Pricing Analytics
Underwriting, Pricing, and Capital Markets

Read the article »

 
July 1, 2015

Rent or Own, Young Adults Still Prefer Single-Family Homes


Patrick Simmons

by Patrick Simmons
Director, Strategic Planning, Economic & Strategic Research
Read the article »

 
April 23, 2015

Lenders Expect Benefits from the GSE 97% LTV Products and the FHA Mortgage Insurance Premium Reduction


Steve Deggendorf

by Steve Deggendorf
Director, Business Strategy, Economic & Strategic Research
Read the article »



 
Archive
November 6, 2014

Fannie Mae Reports Third Quarter 2014 Financial Results

by Tim Mayopoulos
President and CEO, Fannie Mae
October 15, 2014

Survey Shows Lenders Believe New Regulations Have Had "Significant" Impact on Their Business

by Li-Ning Huang
Senior Manager, Business Strategy, Economic & Strategic Research
October 14, 2014

The Return of Private Capital

by Gerry Flood
Director, Strategic Planning, Economic & Strategic Research
September 30, 2014

Young-Adult Housing Demand Continues to Slide, But Young Homeowners Experience Vastly Improved Affordability

by Patrick Simmons
Director, Strategic Planning, Economic & Strategic Research
December 23, 2013

Research Papers Analyze Key Aspects of Multifamily Mortgage Market

by Jeffery Hayward
Senior Vice President, Multifamily Mortgage Business
December 9, 2013

An Uneven Recovery in Household Wealth

by Doug Duncan
Senior Vice President and Chief Economist
December 5, 2013

Deconsolidation in the Primary Mortgage Market: A Temporary or Structural Trend?

by Gerry Flood
Director, Strategic Planning, Economic & Strategic Research
November 26, 2013

ELMORE Assists Struggling Florida Homeowners with their Reverse Mortgages

by Joy Cianci
Senior Vice President of Making Home Affordable® and Foreclosure Prevention