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Mortgage Lender Sentiment Survey

Mortgage Lender Sentiment Survey - April 23rd 2015

April 23, 2015


Late last year, Fannie Mae and Freddie Mac announced an expansion of the availability of certain loans with a maximum loan-to-value (LTV) ratio of 97%. In addition, the Federal Housing Administration (FHA) beginning on January 26, 2015 reduced annual mortgage insurance premiums (MIPs) by 0.5% on new loans. These initiatives endeavor to expand access to mortgage credit and make monthly mortgages more affordable to qualified and creditworthy borrowers. Fannie Mae’s Economic & Strategic Research Group surveyed senior mortgage executives in February through its quarterly Mortgage Lender Sentiment Survey (MLSS) to examine lenders’ views about the expected impact of these two initiatives.


MLSS examines lenders' views on the impact of the GSE's 97% LTV loans and the FHA's reduction of annual MIPs