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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.

Housing Finance Overview

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

On June 2, the SFA published the Seasoned Mortgage Loan Scope of Review.
SFA, alongside five financial trade associations, submitted a letter to the Maryland OFR concerning guidance related to mortgage licensing requirements.
On September 9, the Structured Finance Association (SFA) submitted a letter to the Consumer Finance Protection Bureau (CFPB) on the proposed amendments to Regulation X on mortgage servicing. The Proposal aims to improve the loss mitigation framework for mortgage servicers…
SFA publishes the Prime RMBS Data Tape, and standardized TPR/Diligence Firms Valuation Summary Report.
On May 22, 2024 the Structured Finance Association (SFA) submitted a letter to the Federal Housing Finance Agency in opposition to Freddie Mac’s proposal to purchase closed-end second mortgages.
This latest SFA Issue Brief provides an overview of Freddie’s Mac’s pilot program to purchase closed-end second mortgages approved by the Federal Housing Finance Agency in June 2024. In addition to highlighting industry concerns and SFA’s advocacy position, the brief…
On May 12, 2023, SFA responded to the Federal Housing Finance Agency’s Notice of Proposed Rulemaking on the Enterprise Regulatory Capital Framework Amendment.

News