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
CFPB Director Chopra Outlines Actions to Benefit Mortgage Consumers
In a speech at the National Housing Conference on September 9, CFPB Director Rohit Chopra discussed plans to promote mortgage refinancing in a lower-interest rate…
Federal and State Policymakers Propose Incentives for Office-to-Housing Conversions
As the office real estate market continues to struggle with high vacancy rates and falling property values, policymakers are considering tax incentives to encourage office-to-housing…
Presidential Candidate Harris Proposes Plan to Address Housing Sector Challenges
Democratic Presidential candidate Kamala Harris announced a plan which seeks to address the current U.S. housing shortage by adding three million more homes and apartments….
HELOC Issuance on the Rise Due to Elevated Mortgage Rates
The Federal Reserve Bank of New York noted a recent boost in home equity line of credit (HELOC) borrowing that it attributes to the mortgage…
FHFA’s House Price Index for May 2024 – Home Prices Unchanged
The FHFA released the latest House Price Index, which found that U.S. home prices were unchanged in May. Home prices remain 5.7% higher from May 2023…
