article thumbnail

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)

percent) in 2014, after having been purposefully increased by the FHFA and the two GSEs in prior years. percent range since 2014, rather than being materially lower or higher, does not seem to be well understood in the industry or among policy specialists. percent to 0.49 percent to 0.49

2008 52
article thumbnail

Leaving Academia With Dr. Julie Ann Ward, Dr. Stephanie Weaver, and Dr. Krista Kurlinkus

Grant Writing Made Easy

I started my PhD in Hispanic Languages and Literatures at UC Berkeley, in one of the more prestigious programs in my field, in 2008. When I got my job in 2014, there were 208 tenure-track Spanish positions advertised ; in 2022 there were only 44. This was also the beginning of the Great Recession.

article thumbnail

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008.