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The White House’s Focus on Closing Costs: Long Overdue and Worth the Fight (Part 2)

The Stoop (NYU Furman Center)

The government agencies that dominate mortgage finance 16 currently require a credit report from each of the three major credit reporting bureaus, 17 known as a “tri-merge” report. The FHFA, from its founding in 2008 to 2021, was an independent regulator. 15 Credit reports. 15 Credit reports.

Advocacy 101
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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

For the buyer, closing costs vary significantly by state, reflecting different state regulations and laws. 5 This is because the government has put considerable time and resources into developing lower downpayment alternatives that are still of acceptable credit quality to the government agencies that provide most mortgage credit today.

Housing 59
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20th anniversary of the blog| Urban revitalization systems thinking's greatest hits: Part two -- not transportation

Rebuilding Place in Urban Space

2020) -- " To be successful, local neighborhood stabilization programs need a packaged set of robust remedies: Part 2." 2020) -- " Creating 'community safety partnership neighborhood management programs as a management and mitigation strategy for public nuisance programs: Part 3 (like homeless shelters)."

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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 Federal Housing Finance Agency (FHFA), the regulator and conservator of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), has been very prominently in the news lately. every borrower paying the same interest rate), its regulators would cite it for engaging in an unsafe and unsound practice.