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Tag Archives: Urban Institute

The New 21st Century Housing Finance System

America's housing finance system is in what some call a "dysfunctional limbo." Not only is it underperforming, but it is also outdated and in desperate need of a complete revamping among its mission, activities, products, and services.

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Fannie Mae, Freddie Mac Exceed Risk-Sharing Goals

The GSEs began their risk-sharing initiatives in 2013 as a way to transfer risk from taxpayers to private investors while the Enterprises remain in conservatorship of the FHFA. Since then, the GSEs have transferred a substantial portion of the credit risk for mortgages totaling hundreds of billions of dollars in unpaid principal balance (UPB).

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Can Deal Agents Fix a Fading PLS Market?

One-mighty private-label securities‒‒mortgages without government involvement‒‒ have been a bit player since the financial collapse of 2008. And according to the Urban Institute, deal agents may just be the way to bring the sector back.

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Many Consumers Still Weighed Down by Mortgage Debt

In 2014, mortgage debt was the third-highest form of debt among consumers, with 28 percent holding some form of housing-related debt, the report showed. The highest percentage of consumers have mortgage debt in their late 30s through their early 60s. For borrowers with mortgages, debt balances averaged $160,000 in 2014, up from $150,000 in 2010.

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