Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies
The Stoop (NYU Furman Center)
MAY 31, 2023
The core 30-year purchase loan is, however, the most prevalent and also important for policy analysis, which is why I focus on it. [22] 25] Interestingly, prior to the Great Financial Crisis of 2007 to 2008, the GSEs did not do risk-adjusting, reflecting more of a government agency approach (i.e., It is discussed below. [19]
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