Celebrating ten years of productive partisanship.

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‘Scared’ lenders, declining affordability making mortgages tough to obtain

Housing / News September 16, 2014

It’s possible for would-be home buyers to get a loan, but it sure has gotten harder, and that’s because of lenders who are scared of legal and financial risks, as well as declining affordability, experts said Tuesday at a housing-policy…

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The Impact of the 2016 Elections on GSE Reform

Michael A. Stegman / Blog November 18, 2016

While the election has surely changed the dynamics of housing finance reform, it is too early in the transition to know in exactly what ways.

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FHFA’s Credit Risk Program and the Future of GSE Legislation

Michael A. Stegman / Blog September 8, 2016

If there is one feature of a reformed housing finance system that has broad buy-in, it is that private capital should take the majority of mortgage credit risk.

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How Much Capital Is Enough?

Michael A. Stegman / Blog August 15, 2016

Lawmakers must strive to find the sweet spot between protecting taxpayers against another government bailout and providing broad and affordable access to credit.

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Measuring Credit Availability and Credit Risk in the Housing Finance System

Michael A. Stegman / Blog July 22, 2016

In anticipation of the next debate on housing finance reform, stakeholders must agree on ways to measure how well the existing system is making credit available.

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The Role of the Secondary Market in Mortgage Financing

Housing / Research December 6, 2013

Few homebuyers have sufficient savings to purchase a home outright, and many need to borrow money to buy their first home or to move to another one.

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Experts Discuss Risk Sharing to Engage Private Capital in Housing

Andy Winkler / Blog October 7, 2015

Senators Corker and Warner, the authors of legislation to reform the housing finance system, reflected about ongoing opportunities and frustrations.

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Housing is a Growing Source of Instability

Housing / Blog September 21, 2015

The deplorable conditions in housing today should concern all of us, regardless of whether we are satisfied with our own personal housing situations.

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Home Equity: Savings for Retirement?

Kenneth Megan / Blog July 7, 2015

For many Americans, their home is their greatest financial asset. This is especially true for those at retirement age.

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Years After Crisis, Housing Finance System Still in Need of Reform

Henry Cisneros, Mel Martinez / Blog April 9, 2015

A new report offers a sobering reminder that our nation’s housing finance system continues to operate on an unsustainable foundation.

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