{"id":3957,"date":"2012-11-14T14:30:12","date_gmt":"2012-11-14T14:30:12","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=3957"},"modified":"2012-11-14T14:30:12","modified_gmt":"2012-11-14T14:30:12","slug":"fannie-and-freddie-whats-in-store-for-them","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/fannie-and-freddie-whats-in-store-for-them\/","title":{"rendered":"Fannie and Freddie what’s in store for them?"},"content":{"rendered":"

Fannie and Freddie what’s in store for them?<\/h2>\n
\"Fannie<\/a>

Fannie and Freddie what’s in store for them?<\/p><\/div>\n

There were more questions raised than answers provided about the future of government-sponsored\u00a0enterprises (GSEs)\u00a0Fannie and Freddie<\/strong> and their continued role in the secondary mortgage market at the Regulatory Issues Forum Friday during the 2012 REALTORS\u00ae Conference & Expo in Orlando.<\/p>\n

Today, the GSEs have too much market share, said Timothy J. Mayopoulos, Fannie Mae president and CEO, who spoke at the session. However, as he pointed out, “More than four years after the financial crisis, we see little private capital available to meet the demand for single-family housing.”<\/p>\n

Lenders are very reluctant to engage in home loans now because of concerns such as potential repurchase requests and regulatory uncertainty. Mayopoulos acknowledged that more transparency is needed around these issues to coax private capital back into mortgage lending.<\/p>\n

Mayopoulos and Dr. Wanda DeLeo, deputy director of the FHFA\u2014which currently holds\u00a0Fannie and Freddie<\/em> in conservator-ship\u2014and another presenter at the forum, said there\u2019s a broad consensus about what needs to be accomplished over the next few years with respect to the GSEs. A new secondary mortgage market infrastructure needs to be created, the GSEs\u2019 share of the market needs to be reduced, and home owners in distress need to be helped, they explained.<\/p>\n

To that last point, Fannie continues to explore new ways to assist borrowers, Mayopoulos said. For instance, to speed up short sales, his organization recently instituted a 60-day deadline for short-sale decisions from lenders. Fannie also waives documentation for hardship in some cases.<\/p>\n

However, an agreement on a specific plan for creating a new secondary mortgage market and shrinking the GSEs\u2019 share of home loans has not been reached. Mayopoulos demurred on a question about whether\u00a0Fannie and Freddie<\/span> would eventually be phased out and how that might impact mortgage lending.<\/p>\n

“We’re in a time when we have to have a debate about what the secondary mortgage market is going to look like, but I’m going to leave that debate to the policymakers,” he said.<\/p>\n

Still, whatever happens to Fannie and Freddie and the secondary mortgage market, Mayopoulos expressed a hope that the valuable services those institutions deliver\u2014such as setting standards and making home ownership more accessible for millions of Americans\u2014would be integral to whatever system replaces them.<\/p>\n

“This system should not be too big to fail, but it should be big enough to matter,” he said.<\/p>\n

\u2014Brian Summerfield, REALTOR\u00ae Magazine<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Fannie and Freddie what’s in store for them? There were more questions raised than answers provided about the future of government-sponsored\u00a0enterprises (GSEs)\u00a0Fannie and Freddie and their continued role in the secondary mortgage market at the Regulatory Issues Forum Friday during the 2012 REALTORS\u00ae Conference & Expo in Orlando. Today, the GSEs have too much market … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-3957","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nFannie and Freddie what's in store for them? - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"description\" content=\"Fannie and Freddie what's in store for them? 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