Houston Properties

MARCH 23, 2022

Fixed-rate mortgages are paid back in “cheaper dollars”. Benefit #2: Fixed Rate Mortgages Paid Back in “Cheaper Dollars”. 2027 (5 years). Benefit #2: Fixed Rate Mortgages Paid Back in “Cheaper Dollars”. Anyone with large, fixed-rate debts like mortgages benefit from higher inflation. Inflation Explained.

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Housing Wire

JUNE 24, 2024

The announcement comes as high mortgage rates and a lack of supply have created affordability challenges. But the Federal and state and local governments play an important role in ensuring that all Americans have affordable and safe homes,” the Treasury wrote in a blog post. The Biden administration, through the U.S.

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Will Springer Realtor

MAY 9, 2023

Information from the National Mortgage Database shows 83% of all mortgage holders enjoy an interest rate below 5% when today’s average rate is about 6.5%. It’s a dynamic not often seen in our area and it – along with stubbornly high mortgage interest rates – has generated a rollercoaster ride of data that would make Six Flags jealous.

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Housing Wire

NOVEMBER 25, 2024

The Federal Housing Finance Agency (FHFA) on Monday unveiled its three-year plan for the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac to improve housing opportunities in underserved areas. The DTS plans aim to address a lack of liquidity across manufactured housing, affordable housing preservation and rural housing.

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Housing Wire

DECEMBER 20, 2024

The Federal Housing Finance Agency (FHFA) this week announced a new final rule establishing affordable housing goals for the loan purchases of government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac from 2025 through 2027. The goals, originally proposed in August , are largely unchanged from the initial draft.

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Housing Wire

JANUARY 7, 2025

Amid the leadership change at the government-sponsored enterprise (GSE), the Federal Housing Finance Agency (FHFA) recently announced a new final rule to establish affordable housing goals for the loan purchases of Fannie Mae and Freddie Mac from 2025 through 2027. The final rule is scheduled to go into effect on Feb.

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Housing Wire

DECEMBER 6, 2024

a September CHLA Roundtable, former FHFA Director Mark Calabria said that there is maybe a 70% chance this will be accomplished by 2027, adding that You can get them out. Banks have broadly retreated from portfolio mortgage lending since 2008 and the private label securitization (PLS) market for single family loans is moribund.

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Housing Wire

JANUARY 3, 2025

The agreement restores Treasurys previous right to consent to a release of the government-sponsored enterprises from conservatorship. This includes the critical move that Congress establishes an explicit federal backstop for mortgage-backed securities , Broeksmit said in the statement.

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Housing Wire

NOVEMBER 22, 2024

As an owner of a mortgage company and a 20-year housing veteran, I can tell you there is no shortage of people who want to buy just as there is no shortage of builders who want to build. Currently, there is very little “yield” on mortgage rates. The United States prime mortgage offerings have no prepayment penalty to the consumer.

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Housing Wire

SEPTEMBER 17, 2024

As for the mechanics of removing the government-sponsored enterprises (GSEs) from conservatorship, Calabria said it would take several years to pull off. “But by [2027] I would say there’s maybe 70% chance. That’s according to Mark Calabria , the former head of the Federal Housing Finance Agency (FHFA) under Trump.

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Will Springer Realtor

MARCH 11, 2024

Some are even considering forgoing insurance altogether, risking their financial security once mandated by mortgage lenders. Starting mid-2027, insurers operating in Washington will be mandated to furnish written notices to policyholders facing premium hikes of 10% or more, elucidating the primary factors driving the change.

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Housing Wire

JANUARY 9, 2025

Phillips will also be responsible for regulatory and conservatorship affairs and initiatives amid discussions with the Trump administration to privatize the government-sponsored enterprises (GSEs). The FHFA recently announced the affordable housing goals for the loan purchases of Fannie and Freddie from 2025 through 2027.

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Housing Wire

DECEMBER 4, 2024

Removing the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac from federal conservatorship — where they have been since the aftermath of the 2008 financial crisis — has been a longtime priority of Republican leaders in government. But Congress has had a revolving door over the past two decades.

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Housing Wire

NOVEMBER 6, 2024

In the mortgage space, high interest rates and surging home prices drove affordability to historic low levels, and the industry regularly chafed against the administration’s regulatory zeal. Trump’s victory has already impacted the mortgage sector – though indirectly. Mortgage rates are expected to follow.

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Housing Wire

AUGUST 1, 2024

For anyone wondering what a Democratic or Republican presidential administration might look like for the housing market in 2025 and beyond, industry experts can provide some insights based on their experience in government, proximity to D.C. or decades in the private sector.

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