GSEs expected to unload delinquent loans after Treasury change

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The government-sponsored enterprises are going through a transition period. From proposals for rebuilding their capital cushions to tackling shortages in affordable housing, Fannie Mae and Freddie Mac face a number of key challenges with wide-ranging consequences this year.

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MSR portfolio should be revalued higher imminently due to higher mortgage rates, lower prepayments and increasing credit quality. Originations are expected to show. many new hurdles imposed after.

The GSEs stressed that whatever changes occurred. model has not motivated mortgage servicers to invest the time, effort and resources needed to fully explore all options to help delinquent.

From program experience, while the total 90+ day delinquency rate rises steadily across months 3 through 9, it increases at a slower rate beginning in month 12. Figure 1. Comparison of effect of principal reduction vs. no principal reduction on redefault risk for a loan with the same payment change.

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Every month Fannie Mae and Freddie Mac are paying bondholders about $1 billion to cover seriously delinquent homeowners. guaranteeing timely payments on mortgage bonds is, of course, the government-sponsored enterprises’ main business.

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During 2018, the MIs will revise their master policies to reflect the new principles and obtain the required approvals from the GSEs. effective with mortgage insurance applications received on or.

Analysts expect Fannie Mae and Freddie Mac to begin unloading more distressed mortgages from their portfolios after the Treasury Department accelerated their wind down.

GSEs Announce Updates to Loan Repurchase Guidelines for Lenders. Fannie Mae will seek repurchase on these loans only after is that Fannie Mae will seek repurchase of a loan after administering.

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This is why the changes from the Treasury are seen as critical for the MBS markets. For starters, the raised portfolio caps mean that the GSEs can now collectively increase mortgage holdings this year by about $100 to $120 billion. After 2010, the portfolio caps become 90% of the previous year’s cap (not 90% of the previous year’s portfolio size).