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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

2 In November of last year, the Federal Housing Finance Agency (FHFA), the regulator and conservator of the two companies, issued its annual report on their G-fees (the G-fee Report), covering calendar year 2021. percent range for seven more years through 2021, as disclosed in each year’s annual FHFA G-fee report. percent to 0.49

2008 52
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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

In both documents, see the section titled “Financing the Home Purchase.” Of note, during the height of the bubble (2005 and 2006), the average downpayment by an FTHB actually decreased to just two percent. Post-2008, with all the reforms enacted via the Dodd-Frank Act (e.g., Fannie Mae, Freddie Mac, etc.)

Housing 59