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
SFA Provides Recommendations to the FHFA on Credit Score Models and Reports Initiative
July 22, 2025
News
Potential IPO for GSEs Slated for This Year
According to Bloomberg, the Trump Administration had conversations about selling 5 to 15 percent of stock in the GSEs through an initial public offering in hopes…
GSEs at the Top of the Agenda in 2026
House Financial Services Committee (HFSC) Chair French Hill (R-AR) and Housing and Insurance Subcommittee Chair Mike Flood (R-NE) underscored the importance of Congress, in any…
Lenders Support Biden Era Reappraisal Guidance Even After Policy Change
President Donald Trump has ended some of the guidance that allowed homeowners to question their property appraisals. However, many lenders continue to use former President…
FHFA HPI May Results Released
On July 29, the Federal Housing Finance Agency (FHFA) released the Housing Price Index (HPI) which found that housing prices dropped by 0.2 percent in…
Housing Bills Pass SBC
The Senate Banking Committee (SBC) passed a series of housing bills meant to increase both the housing supply and housing affordability. While the impact on…
