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
AB: Decision to Privatize the GSE’s Must Come from the President
According to American Banker, Federal Housing Finance Agency (FHFA) Director Bill Pulte stated on Monday that the decision to end the GSE’s conservatorship must come from the…
Structured Finance Association Response to President Trump’s Post on Fannie Mae and Freddie Mac
WASHINGTON, May 22, 2025 – The Structured Finance Association, a leading trade association representing the structured finance and securitization industry, urges the federal government to proceed…
Special Servicers Increase in CMBS Loans
According to Bloomberg, 10 percent of the underlying mortgages in CMBS are assigned special servicers due to their high likelihood of default. With economic uncertainty…
FHFA Housing Price Index Released
FHFA released their housing price index on April 29. The report found that housing prices rose by 0.1 percent from January to February 2025, and…
Tariffs Could Increase Housing and Rental Costs
Recent over-construction of multifamily properties had led to price concessions as landlords tried to attract tenants, according to the Wall Street Journal. However, current tariffs…
