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Fannie Mae Freddie Mac And The Federal Role In The Secondary Mortgage Market
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Book Synopsis Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market by : Deborah Lucas
Download or read book Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market written by Deborah Lucas and published by DIANE Publishing. This book was released on 2011-05 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: In September 2008, the fed. gov¿t. assumed control of Fannie Mae and Freddie Mac (FM/FM), two federally chartered institutions that last year guaranteed three-quarters of new residential mortgages originated in the U.S. This study examines various alternatives for the fed. gov¿t¿s. future role in the secondary (resale) market for residential mortgages. Contents: Overview of FM/FM, and the Secondary Mortgage Market; Possible Rationales for a Fed. Role in the Secondary Mortgage Market; Weaknesses of the Pre-crisis Model for FM/FM; Alternative Approaches for the Future of the Secondary Mortgage Market; History of the Secondary Mortgage Market; The Fed. Home Loan Banks. Charts and tables. A print on demand report.
Book Synopsis Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market by : Deborah Lucas
Download or read book Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market written by Deborah Lucas and published by United States Congress. This book was released on 2010 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market by : Congressional Office
Download or read book Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market written by Congressional Office and published by . This book was released on 2011-12-24 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: As it traces the evolution and collapse of government-sponsored enterprises Fannie Mae and Freddie Mac, the Congressional Budget Office analyzes the arguments justifying Federal involvement in the secondary mortgage market and identifies the structural weaknesses that led to the failure of these institutions.
Book Synopsis Mortgage Reform and the Federal Role in the Secondary Mortgage Market by : Alfred T. Francis
Download or read book Mortgage Reform and the Federal Role in the Secondary Mortgage Market written by Alfred T. Francis and published by Nova Science Publishers. This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The federal government assumed control of the ailing Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) in 2008, two institutions that facilitate the flow of funding for home loans nationwide. The cost to taxpayers of that takeover, and the structural weaknesses that contributed to the institutions' financial problems, have prompted policymakers to consider various alternatives for the government's future role in the secondary (resale) market for residential mortgages. This book examines how Fannie Mae and Freddie Mac evolved into the institutions they are today and the rationales that are often cited for federal involvement in the secondary mortgage market and the problems that existed with Fannie Mae and Freddie Mac before the recent financial crisis.
Book Synopsis Budgetary Cost of Fannie Mae and Freddie Mac and Options for the Future Federal Role in the Secondary Mortgage Market by : Deborah Lucas
Download or read book Budgetary Cost of Fannie Mae and Freddie Mac and Options for the Future Federal Role in the Secondary Mortgage Market written by Deborah Lucas and published by DIANE Publishing. This book was released on 2011-05-06 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Statement of Deborah Lucas, Assistant Dir. for Financial Analysis, Congressional Budget Office (CBO). Historically, support for the mortgage market has been part of a broader federal policy aimed at encouraging home ownership and, to a lesser extent, at making housing more affordable for low- and moderate-income families. The activities of Fannie Mae, Freddie Mac, and the Federal Housing Admin. (FHA) have been an important aspect of that policy. In 2010, Fannie Mae and Freddie Mac owned or guaranteed roughly half of all outstanding mortgages in the U.S., and they financed 63% of the new mortgages originated that year. Including the 23% of home loans insured by federal agencies such as FHA, about 86% of new mortgages made in 2010 carried a federal guarantee. However, the largest federal subsidiesfor home ownership have generally come from favorable tax treatment for housing. This testimony focuses on the CBO's estimates of the budgetary cost of the government's takeover and continuing operation of Fannie Mae and Freddie Mac. Lucas also discusses how the budgetary treatment of those two enterprises differs from that of FHA and other federal mortgage programs and the potential problems those inconsistencies cause, and summarizes alternative options for the future role of the federal government in the secondary mortgage market. Tables. This is a print on demand report.
Book Synopsis Guaranteed to Fail by : Viral V. Acharya
Download or read book Guaranteed to Fail written by Viral V. Acharya and published by Princeton University Press. This book was released on 2011-03-14 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Book Synopsis Privatization of Fannie Mae and Freddie Mac by : Harold L. Bunce
Download or read book Privatization of Fannie Mae and Freddie Mac written by Harold L. Bunce and published by DIANE Publishing. This book was released on 1997 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report demonstrates that a significant proportion of prospective homeowners remains underserved by the mortgage finance industry. The report reviews and evaluates the framework of housing goals that has been established by Fannie Mae and Freddie Mac. It finds that the housing goals represent a promising approach to focusing their resources on the mortgage credit needs of homebuyers. Such a programmatic emphasis by these enterprises represents an appropriate exchange for the benefits that they receive through their ties with the Federal government.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Publisher : ISBN 13 : Total Pages :316 pages Book Rating :4.3/5 (91 download)
Book Synopsis The Present Condition and Future Status of Fannie Mae and Freddie Mac by : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Download or read book The Present Condition and Future Status of Fannie Mae and Freddie Mac written by United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises and published by . This book was released on 2009 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Freddie Mac Reports written by and published by . This book was released on 1983 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Serving Two Masters, Yet Out of Control by : Peter J. Wallison
Download or read book Serving Two Masters, Yet Out of Control written by Peter J. Wallison and published by American Enterprise Institute. This book was released on 2001 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Because two disparate clients demand loyalty from Fannie Mae and Freddie Mac, these government-sponsored entities must fulfill two ultimately irreconcilable roles.
Book Synopsis Members of the Federal Home Loan Bank System by : United States. Federal Home Loan Bank Board
Download or read book Members of the Federal Home Loan Bank System written by United States. Federal Home Loan Bank Board and published by . This book was released on 1985 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac by : W. Scott Frame
Download or read book 2008 Federal Intervention to Stabilize Fannie Mae and Freddie Mac written by W. Scott Frame and published by DIANE Publishing. This book was released on 2010-08 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fannie Mae and Freddie Mac (FM/FM) are gov¿t.-sponsored enterprises that play a central role in U.S. residential mortgage markets. Policymakers have become increasingly concerned about the size and risk-taking incentives of FM/FM. In Sept. 2008, the fed. gov¿t. intervened to stabilize FM/FM in an effort to ensure the reliability of residential mortgage finance in the wake of the subprime mortgage crisis. This report describes the sources of financial distress at FM/FM, outlines the measures taken by the fed. gov¿t., and presents evidence about the effectiveness of these actions. Looking ahead, policymakers will need to consider the future of FM/FM as well as the appropriate scope of public sector activities in primary and secondary mortgage markets.
Book Synopsis Fannie Mae and Freddie Mac by : Gene L. Dodaro
Download or read book Fannie Mae and Freddie Mac written by Gene L. Dodaro and published by DIANE Publishing. This book was released on 2010-10 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: Congress estab. Fannie Mae and Freddie Mac (the enterprises) with 2 key housing missions: (1) provide stability in the secondary market for residential mortgages; and (2) serve the mortgage credit needs of targeted groups such as low-income borrowers. To accomplish these goals, the enterprises issued debt and stock, and purchased mortgages from lenders with the proceeds. On Sept. 6, 2008, the Fed. Housing Finance Agency placed the enterprises into conservatorship out of concern that their deteriorating financial condition would destabilize the financial system. This report discusses the enterprises' performance in meeting mission requirements, identifies and analyzes options to revise their structures, and discusses key transition issues. Illus.
Book Synopsis Assessing the Public Costs and Benefits of Fannie Mae and Freddie Mac by : Marvin Phaup
Download or read book Assessing the Public Costs and Benefits of Fannie Mae and Freddie Mac written by Marvin Phaup and published by DIANE Publishing. This book was released on 1996-07 with total page 63 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains the purpose and function of government-sponsored enterprises (GSEs). Describes how the housing GSEs segment in the secondary market works. Provides insights on alternative funding strategies and risk, and the necessity of congressional oversight. Focuses on the federal costs of Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Contains 17 charts, tables and graphs.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Urban Affairs Publisher : ISBN 13 : Total Pages :420 pages Book Rating :4.:/5 (327 download)
Book Synopsis Secondary Mortgage Market by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Urban Affairs
Download or read book Secondary Mortgage Market written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1983 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Agricultural Mortgage Corporation by : United States. General Accounting Office
Download or read book Federal Agricultural Mortgage Corporation written by United States. General Accounting Office and published by . This book was released on 1989 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Serving Two Masters, Yet Out of Control by :
Download or read book Serving Two Masters, Yet Out of Control written by and published by . This book was released on 2001 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt:
