Demand for multifamily housing, especially affordable and middle-income rental housing, is rising as the nation continues to add new households. However, overall housing…
Credit risk transfer (CRT) has become, in relatively quick order, a core component of the business model of the two Government-Sponsored Enterprises (GSEs), Freddie Mac and…
Harvard Joint Center for Housing Studies
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January 31, 2020
Despite slowing demand and the continued strength of new construction, rental markets in the US remain extremely tight. Vacancy rates are at decades-long lows, pushing up…
Harvard Joint Center for Housing Studies
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January 31, 2020
Despite slowing demand and the continued strength of new construction, rental markets in the US remain extremely tight. Vacancy rates are at decades-long lows, pushing up…
Fannie Mae and Freddie Mac, the two Government-Sponsored Enterprises (GSEs), are required by law to be residential mortgage monolines. However, after the 2008 Financial…
As 2019 ends, the two Government-Sponsored Enterprises (GSEs) Freddie Mac and Fannie Mae finally have some momentum in ending their conservatorships, the legal status under…
A significant feature of America’s residential mortgage system is its heavy politicization. This case study is about one long-running, specific aspect of that politicization…
The housing finance policy community had thrown around all sorts of ideas about how to move forward after the two GSEs were placed in conservatorship in the 2008 Financial…
Michael Stegman, Richard Cooperstein
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October 9, 2019
With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…
There are four big issues the Federal Housing Finance Agency, the regulator of Freddie Mac and Fannie Mae, will need to address to finalize its proposed minimum required…
