Progress on the single security is an unheralded success

For decades, Fannie Mae and Freddie Mac have issued separate mortgage-backed securities. But the price difference between the two has cost taxpayers billions.

FICO scores of approved borrowers are dropping. So is it easier to purchase a home?

The median FICO score for borrowers approved for agency-originated loans has declined from 742 in June 2016 to 725 in April 2017.

New FDIC tool can help community banks expand access to mortgages

Community banks don’t have the resources of larger, national banks, so navigating the myriad of available mortgage lending programs can be a daunting task.

Low-income homeowners are as burdened by housing costs as renters

A close look at the data makes it clear that homeownership doesn’t protect low-income homeowners from the same cost burdens as low-income renters.

Slow and inefficient appraisal system gives advantage to cash buyers

Obtaining an appraisal has become a longer process, creating challenges for many potential American homebuyers.

Using homes as ATMs, not homebuying fervor, was more to blame for the housing crisis

The presence of risky products, not increased lending to riskier borrowers, was a bigger contributor to the 2008 housing crisis.

What will happen when the Fed starts unwinding its $1.75 trillion mortgage portfolio?

The Fed began buying mortgage-backed securities in 2009 to support a then-fragile housing market, and is now the single largest holder.

The Trump budget for unhealthy housing

Proposed cuts to HUD’s housing assistance, healthy housing, and housing improvement programs would keep many families in substandard, unhealthy homes.

Innovations in credit scoring could help more families become first-time homebuyers

Credit scores are critical in determining whether a lender will consider a borrower’s loan application, but current scoring methods leave many behind.

Fannie and Freddie eased access to credit. Now it’s the FHA’s turn

Credit is tight largely because lenders are imposing even more stringent standards than those required by the entities that guarantee or insure these loans.