Publications

Fannie Mae Working Papers

Credit Risk of Low Income Mortgages

May 17, 2017

A new Fannie Mae Housing White Paper studies the relationship between underwriting standards, housing market environment, and default risk for low and moderate income homebuyers.
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Opportunities to Improve the Value of Appraisals

October 28, 2016

In two papers from Fannie Mae, we consider the issues of appraisal integrity and borrower protection.
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Rural Mortgage Lending Over the Last Decade

October 27, 2016

Data provides insights into the rural single-family conventional mortgage market, including the key differences between urban and rural borrower attributes, property attributes, and loan characteristics.
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Housing Market Effects of Appraising Below Contract

June 7, 2016

A new Fannie Mae Housing White Paper studies the causes and impacts of low appraisals relative to contract prices for potential purchase transactions.
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Housing Affordability Update

November 12, 2015

The analysis focuses on housing affordability in terms of households' ability to cover housing costs at given income levels, as opposed to households' ability to access mortgage credit.
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