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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)

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

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

The Stoop (NYU Furman Center)

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. percent upfront fee economically translates into a per annum 0.20 35] See FHFA’s 2022 Housing Mission Report, Table 10 on Page 15. percent fee.