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
Mortgage Rates Rise Amid Uncertainty, Keeping Housing Market Tight
The New York Times writes that mortgage rates have fluctuated in recent months and now stand at 6.79%. While many homebuyers had hoped for further rate…
WSJ: Apartment Supply and Demand Level, Putting Landlords in a Sweet-Spot
The Wall Street Journal reports that there was a significant increase in the supply of apartments over the past two years that resulted in higher vacancy rates….
Harris and Vance Target Corporate Investors in Housing Crisis Debate
Politico writes that Vice President Kamala Harris and Senator JD Vance (R-OH) are citing corporate investors responsible for the U.S. housing affordability crisis. In response, Harris…
FHFA Proposes Rule to Enhance Liquidity Management for Federal Home Loan Banks
The Federal Housing Finance Agency (FHFA) has issued a proposal to scale back capital requirements on interest-bearing deposit accounts for the Federal Home Loan Banks (FHLBs). This…
FHFA’s July House Price Index – Home Prices Rise 0.1%
The FHFA released the July House Price Index which found that U.S. home prices rose by 0.1% during the month of July and 4.5% year-over-year….
