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Tag Archives: Urban Institute

Homeownership Rate Will Continue Decline Into 2030, Study Estimates

Overall, from 2010 to 2030, UI estimates there will be four million more renters than homeowners while the homeownership rate falls from 65.1 percent down to 61.3 percent during that 20-year period. In that time, 22 million new households will need homes to rent or buy; UI estimates that 13 million of those will rent while nine million will buy.

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White Paper Authors Warn of the Cost of Reprivatizing GSEs

Currently their line of credit with Treasury would provide about 5 percent capitalization and the current guarantee fee of 63 basis points would provide about 3 percent; they would need to increase their G-fees by about 27 basis points to raise the additional 2 percent capital.

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Will Freddie Mac Require Another Draw from Treasury?

A hugely profitable year in 2013 for both Fannie Mae ($84 billion) and Freddie Mac ($49 billion) shifted widespread speculation from winding down the two GSEs to instead ending FHFA's conservatorship of the two Enterprises, which began in September 2008 after the two received a combined $188 billion from Treasury in bailout funds.

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Research Group Expresses Both Support, Concern for FHFA Proposal

The securities "would combine the best features of each of the current securities," such that "the security would have the superior pooling features of the current Fannie Mae securities and the superior disclosure features of the Freddie Mac securities," according to the Urban Institute.

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Mortgage Credit Becomes More Available in May

Real Estate Market

The Mortgage Bankers Association's (MBA)Mortgage Credit Availability Index (MCAI), a monthly gauge of credit access based on metrics and underwriting criteria from more than 85 lenders, increased 1.14 percent from April to May, reading 115.1 in the latest measure.

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