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Mortgages › Fair Housing Finance Agency

The term "mortgage" typically refers to a mortgage loan.  A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +
The term "mortgage" typically refers to a mortgage loan.  A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and uses that property as collateral for the loan. less -
Ballard Spahr LLP

FHFA directs Fannie Mae, Freddie Mac to develop plans to use cryptocurrency as assets without conversion to dollars

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The FHFA has directed Fannie Mae and Freddie Mac to prepare proposals for consideration of cryptocurrency as an asset for reserves in their single-family risk assessments, without a conversion to dollars....more

Crunched Credit

A Possibly Puckish Take on the Future of the GSEs’ Multifamily Businesses

Crunched Credit on

I am  joining the hordes occupying the chatter-sphere to opine about what the GSEs should look like, post conservatorship.  Having reviewed loads of opinions about the future of the Twins, I’m pretty sure the bar on looking...more

Brownstein Hyatt Farber Schreck

FHFA Reverses Course on Bi-Merge; Opens Door to VantageScore 4.0

Brownstein Hyatt Farber Schreck on

In a July 8 social media post, Federal Housing Finance Agency (FHFA) Director Bill Pulte stated that Fannie Mae and Freddie Mac (the Enterprises) will maintain the long-standing tri-merge requirement requiring lenders to pull...more

Sheppard Mullin Richter & Hampton LLP

FHFA Orders Fannie Mae and Freddie Mac to Consider Cryptocurrency Reserves in Mortgage Risk Assessments

Sheppard Mullin Richter & Hampton LLP on

On June 25, the Federal Housing Finance Agency (FHFA) issued a directive ordering Fannie Mae and Freddie Mac to prepare proposals for treating cryptocurrency held on U.S.-regulated exchanges as assets for reserves in...more

Alston & Bird

FHFA Director Directs Fannie and Freddie to Consider Crypto Assets to Qualify for Mortgages

Alston & Bird on

What Happened? On June 26, Federal Housing Finance Agency (“FHFA”) Director William Pulte told Fannie Mae and Freddie Mac (the “government sponsored entities”) to draft policies that would consider a borrower’s cryptocurrency...more

Harris Beach Murtha PLLC

Potential Impacts of the Privatization of Fannie Mae and Freddie Mac

Harris Beach Murtha PLLC on

Fannie Mae (1938) and Freddie Mac (1970) were created with the end goal of promoting homeownership across the United States. Fannie Mae and Freddie Mac, both government-sponsored entities (“GSEs”), are publicly traded and...more

Bradley Arant Boult Cummings LLP

FHFA Has Fraud on Its Mind

Bradley Arant Boult Cummings LLP on

In recent days, Federal Housing Finance Agency (FHFA) Director Bill Pulte has made it clear that he believes fraud is a rampant problem at FHFA. In a stream of related activities, Pulte has called on the public to report...more

Orrick, Herrington & Sutcliffe LLP

FHFA reportedly ends program for down payment and closing cost assistance

Orrick, Herrington & Sutcliffe LLP on

On March 25, it was reported on social media that FHFA Director William Pulte signed an order terminating the Special Purpose Credit Programs (SPCPs) previously covered by Fannie Mae and Freddie Mac. The SPCPs provided...more

Sheppard Mullin Richter & Hampton LLP

FHFA Rescinds UDAP Oversight Bulletin and SPCP-Based Renter Protections

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The Federal Housing Finance Agency (FHFA) has taken two significant deregulatory steps affecting its oversight of the government-sponsored enterprises, Fannie Mae and Freddie Mac (GSEs). The agency rescinded a 2024 advisory...more

Troutman Pepper Locke

FHFA Director Pulte Terminates Mortgage-Related Special Purpose Credit Programs for GSEs

Troutman Pepper Locke on

In a significant policy shift under the Trump administration, the new Federal Housing Finance Agency (FHFA) Director Bill Pulte issued an order on March 25, 2025 terminating special purpose credit programs (SPCPs) supported...more

Troutman Pepper Locke

Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – March 2025 # 4

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To keep you informed of recent activities, below are several of the most significant federal and state events that have influenced the Consumer Financial Services industry over the past week....more

Orrick, Herrington & Sutcliffe LLP

FHFA announces new director is sworn in

Orrick, Herrington & Sutcliffe LLP on

On March 14, the FHFA announced that Director William Pulte was sworn in as its fifth director in a ceremony held in Washington, D.C., on March 14. Pulte was appointed by President Trump and will serve a five-year term...more

Paul Hastings LLP

Daily Financial Regulation Update -- Wednesday January 15, 2025

Paul Hastings LLP on

January 14, 2025- Federal Deposit Insurance Corporation Chair Martin Gruenberg gave a speech entitled “Three Financial Crises and Lessons for the Future,” at the Brookings Institution....more

Orrick, Herrington & Sutcliffe LLP

FHFA and HUD update mortgage loan limits for 2025

Orrick, Herrington & Sutcliffe LLP on

On November 26, the FHFA announced the conforming loan limit values for 2025, increasing the baseline limit. See here for a map of the conforming loan limit values. For one-unit properties, the new limit is $806,500 — a 5.2...more

Pillsbury - Gravel2Gavel Construction & Real...

Real Estate & Construction News Roundup (12/4/24) – Highest Rate of Office Conversions, Lending Caps for Fannie Mae and Freddie...

Pillsbury - Gravel2Gavel Construction & Real... on

In our latest roundup, infrastructure-related ballot initiatives, U.S. Green Building Council’s success stories, support for sustainable building, and more!...more

Ballard Spahr LLP

FHFA announces 2025 conforming mortgage loan limits

Ballard Spahr LLP on

The Federal Housing Finance Agency (FHFA) recently announced  the conforming loan limits for residential mortgage loans acquired by Fannie Mae and Freddie Mac in 2025.  Fannie Mae addresses the limits in Lender Letter...more

Orrick, Herrington & Sutcliffe LLP

FHFA partners with GSEs to expand housing access for tribal communities

Orrick, Herrington & Sutcliffe LLP on

On November 7, the FHFA announced partnerships with both Fannie Mae and Freddie Mac to boost programs that expand housing access for tribal communities. The collaboration involved the FHLBank of Des Moines promoting Freddie...more

Orrick, Herrington & Sutcliffe LLP

FHFA and HUD expand publicly-available appraisal data

Orrick, Herrington & Sutcliffe LLP on

On October 28, FHFA and HUD jointly, and for the first time, released new appraisal data from single-family mortgage loan applications submitted to HUD’s sector under the FHA. The update expanded the scope of the FHFA’s...more

Orrick, Herrington & Sutcliffe LLP

FHFA introduces new manufactured house price index

Orrick, Herrington & Sutcliffe LLP on

On October 9, FHFA introduced a new Manufactured House Price Index to provide quarterly data on price trends for manufactured homes, a market segment which it noted is an affordable option for homebuyers. The new data series...more

Orrick, Herrington & Sutcliffe LLP

FHFA releases NPRM on housing goals for 2025-2027

Orrick, Herrington & Sutcliffe LLP on

On August 22, FHFA released a proposed rule on its housing goals for Fannie Mae and Freddie Mac (the GSEs) for 2025-2027 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. FHFA is...more

Alston & Bird

Structured Finance Spectrum - Summer 2024

Alston & Bird on

Welcome to the latest edition of the Spectrum, covering hot-topic issues in the structured finance markets in the U.S. and UK. This edition features the new UK securitization regime, eHELOCs, and climate risk disclosures....more

Cooley LLP

Federal Regulators Act to Enhance Property Valuations During Mortgage Origination Process

Cooley LLP on

On July 17 and 18, 2024, federal financial regulators adopted rules and guidance setting forth expectations in the mortgage industry that originators properly oversee use of automated valuation models (AVMs) and entertain...more

Orrick, Herrington & Sutcliffe LLP

Financial regulators release final AVM rule for publication

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On July 17, the CFPB, OCC, Fed, FDIC, NCUA and FHFA adopted a final rule titled “Quality Control Standards for Automated Valuation Models.” As previously covered by InfoBytes, this final rule implemented new provisions...more

Orrick, Herrington & Sutcliffe LLP

CFPB and FHFA release data from the National Survey of Mortgage Originations

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On July 1, the CFPB and FHFA released updated loan-level data from 2013-2021 through the National Survey of Mortgage Originations (NSMO). The NSMO, established in 2014, gathers quarterly data from borrowers who recently...more

Orrick, Herrington & Sutcliffe LLP

FHFA approves Freddie Mac's second mortgage pilot

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On June 20, FHFA conditionally approved a limited pilot program for Freddie Mac to begin purchasing certain single-family closed-end second mortgages. This decision came after implementing a new approval process for products...more

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