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 prior risk-based adjustment to the GSEs’ G-fees had been set about a decade ago based on historic loss statistics at that time, with some revisions implemented in 2014. 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.,
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