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
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…
FHFA House Price Index Released
On January 28, the Federal Housing Finance Agency (FHFA) released its House Price Index. Month-over-month house prices were largely unchanged in November but rose 4.2…
President Trump Signs E.O. Promoting Affordable Housing
During President Trump’s first day in office, he signed several Executive Orders. The series included the “Delivering Emergency Price Relief for American Families and Defeating…
CFPB Issues Residential PACE Transactions Rule
On December 17, the CFPB issued the Residential Property Assessed Clean Energy (PACE) Financing final rule. The final rule: (1) clarifies that voluntary tax assessments and…
