Federal Housing Finance Agency (FHFA)

Cooling gains may ease buyer strain, but inflation-adjusted declines and regional splits complicate outlook for LOs and borrowers

Initial securitized loans with Freddie Mac highlight operational questions following Federal Housing Finance Agency policy shift

New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment

Calls for greater competition in credit scoring as price increases draw scrutiny

New reserve requirements, end of streamlined condo reviews, and rapid AI adoption are forcing lenders to rethink operations in real time

Fannie, Freddie ease insurance rules, allowing cheaper roof coverage, higher deductibles, and added flexibility for borrowers, condos, and lenders