✨ FHFA는 미래 주기의 모기지 고정을 완화하기 위해 지금부터 작업을 시작해야 합니다.
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HousingWire recently featured an op-ed advocating for Bill Pulte of the FHFA to make Fannie and Freddie (the GSEs) mortgages assumable, retroactively. The intent is noble – most mortgage borrowers are indeed locked in by low interest rates from the pandemic, draining liquidity from the housing marke
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HousingWire recently featured an op-ed advocating for Bill Pulte of the FHFA to make Fannie and Freddie (the GSEs) mortgages assumable, retroactively. The intent is noble – most mortgage borrowers are indeed locked in by low interest rates from the pandemic, draining liquidity from the housing market and not allowing these borrowers to relocate when they should. The reality is more complicated – this one-time fix is very hard to implement, would potentially cost MBS investors hundreds of billions, and could make GSE IPOs unviable. Instead, the FHFA should lay the groundwork for us not to have this conversation next time around.