Secondary Market

The serious delinquency rate on loans backed by Freddie Mac is falling, but so are loan modifications.

The latest STACR offering "reflects investors' positive view of the company's credit fundamentals," according to Mike Reynolds, VP of Credit Risk Transfer with Freddie Mac.

Despite having similar business models and charters, Fannie Mae and Freddie Mac have significant variations in risk assessments between them. What does the OIG recommend is the best way to reduce these variations?

The FHFA's conservatorship of Freddie Mac continues, but the GSE has found an effective way to reduce exposure to credit risk while bringing private investors back into the single-family mortgage market.

The serious delinquency rate on single-family mortgages backed by Fannie Mae stayed flat after nearly five years of steady declines, however.

Both Fannie Mae and Freddie Mac have announced that their respective credit risk sharing initiatives will continue in 2016 in order to allow more participation from the private sector in the U.S. housing market.

Lawmakers suggest that additional credit scoring models would "foster competition and innovation in the credit scoring industry." But how much of a hold does FICO really have in that area?

What are some of the initiatives Fannie Mae and Freddie Mac plan to implement in 2016?

The proposed regulation will require the GSEs to serve three underserved markets including manufactured housing, affordable housing preservation, and rural markets.

Exactly what changes can sellers and servicers of mortgages owned or guaranteed by Freddie Mac expect in the coming year regarding the way that they do business?