GSEs Archive

Lenders Give Dodd-Frank a Second Look

The Dodd-Frank regulations were intended to correct many of the problems witnessed during the build-up to the subprime financial crisis. In recent quarters, market participants and politicians have debated both tweaks to and wholesale replacement of the Dodd-Frank laws....

81 Percent of First-time Homebuyers Made a Downpayment of Less than 20 Percent

More first-time homebuyers avail of a low downpayment loan compared to all homebuyers, according to the December 2016 REALTORS® Confidence Index Survey Report, a monthly survey of REALTORS® about their sales activity and local market conditions.[1] Among first-time homebuyers...

New Conforming Limit Improves Financing from Coast-to-Coast

For the first time since 2006, the conforming loan limit will rise in 2017. This change is important in today’s housing market as it allows the financing market to expand to meet the growing needs of strong consumer demand...

Price Growth Foreshadows Important Change for Mortgage Borrowers

In the wake of the financial crisis, the national conforming loan limit was frozen at its 2007 level of $417,000. After nearly a decade of waiting, Federal regulators may finally be ready to raise that limit as well as...

Regional and Community Banks Are Main Lenders in REALTOR® Commercial Markets

CRE sales volume continued its positive trend in 2015, with $534 billion in closed transactions, compared with $432 billion in 2014, based on data from Real Capital Analytics (RCA).  In contrast to the large commercial transactions reported by RCA,...