Housing Finance
The $33 trillion housing market relies on well-regulated sources of private capital and public funding in order to ensure stability and liquidity for borrowers, lenders, and investors.
Overview
Our nation’s housing finance system is comprised of an entire ecosystem of lenders, originators, aggregators, servicers, rating agencies, diligence providers, trustees, bond investors and whole loan purchasers who all play an integral role in ensuring that borrowers are able to access mortgage funds throughout the credit cycle.
SFA is working to ensure that a dynamic market—including public funding sources as well as private capital—works to the benefit of borrowers, provides well-defined guardrails for market participants, and protects taxpayers from future losses.
Publications & Resources
News
FHFA Housing Price Index Released
The FHFA’s Housing Price Index was released on March 25. The index found that house prices rose by 0.2 percent in January 2025 and 4.8…
FHFA Will Not Lower GSE Loan Limits
FHFA director Bill Pulte does not intend to lower the loan limit for Fannie Mae and Freddie Mac (the GSEs). The standard loan limit increased…
Insurance Requirements Intensify for Fannie and Freddie Backed Mortgages
Fannie Mae’s and Freddie Mac’s minimum insurance coverage requirements for loans that they purchase have become more complex following the Surfside Condo collapse in 2021….
Housing Supply Changes Uneven Across the Country
Nation-wide housing supply remains low, but some states are seeing their housing supply return to pre-pandemic levels. The reasons include differences in permitting and construction…
Structured Finance Association Urges U.S. to Proceed with Caution in Removing Fannie Mae and Freddie Mac from Conservatorships
WASHINGTON, February 11, 2025 – The Structured Finance Association (SFA), a leading trade association representing the structured finance and securitization industry, said the federal government needs…
