How risk-sharing deals are renewing the Fannie Mae, Freddie Mac rivalry

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How risk-sharing deals are renewing the Fannie Mae, Freddie Mac rivalry The unique approach Fannie Mae and Freddie Mac are each taking with their credit-risk transfer products is quickly becoming a key point of differentiation that’s rekindling competition between the government-sponsored enterprises.

The GSEs’ risk-sharing strategies are drawing more scrutiny from the Federal Housing Finance Agency as part of the regulator’s heightened oversight of Fannie and Freddie’s dwindling capital reserves. fannie generated $4 billion in net income during the third quarter of 2018, the company announced Friday, up from $3 billion a year ago , when reserves against expected hurricane losses hurt results.

Lenders originate riskier mortgages in the second quarter According to the agency, FHA lending actually fell by nearly 12% in the second quarter. FHA mortgage endorsements Q2 2019 Per the report, the FHA endorsed 201,779 forward mortgages for insurance in the second quarter, a decrease of 11.78% from the prior quarter. That’s the smallest number of new FHA loans in a quarter since 2015.

The Federal Housing Finance Agency said Fannie Mae and Freddie Mac have transferred nearly $2.5 trillion of credit risk to the private market since 2013.

Even though Fannie Mae and Freddie Mac were Congressionally-chartered, they are also private, shareholder-owned corporations. They have been regulated by the US Department of Housing and Urban Development since 1968 and 1989, respectively. However, Fannie Mae is more than 40 years old.

How risk-sharing deals are renewing the Fannie Mae, Freddie Mac rivalry By Mark In FHA Loan Articles Contents Congressional review act (cra) fannie mae charter act. freddie Responsibly providing financial Myriad reforms enacted Loan guarantees from Fannie Mae and Freddie Mac reduce.

GSE risk-sharing deals hit $12 billion, with more to come in 2019 Fannie Mae and Freddie Mac transferred a substantial amount of credit risk to the private sector through both single-family and multifamily market transactions in the first half of the year, with activity expected to rise in 2019, according to the Federal Housing Finance Agency.

Fannie Mae can be reached at 800-232-6643 or Fannie Mae’s website. Freddie Mac can be reached at 800-373-3343 or Freddie Mac’s website. If your mortgage is not owned or guaranteed by Fannie Mae or Freddie Mac, you should contact the lender’s or servicer’s primary regulator. To identify the primary regulator, see Help With My Bank .

Texas real estate finance review- lbc. study. play.. The agency established to ensure the financial safety and soundness of Fannie Mae and Freddie Mac is the. Guaranteeing FHA and VA mortgage-backed securites. The MOST important role of Ginnie Mae today is.

Here’s a breakdown of the history of Fannie and Freddie’s risk-sharing deals, and a look at what the GSEs want to do next. Fannie Mae, Freddie Mac look for more ways to share credit risk | 2016-06.