Our mission is to ensure the Housing Government-sponsored Enterprises operate in a safe and sound manner so they serve as a reliable source of liquidity and funding for housing finance and community investment. Together these institutions provide more than $5 trillion in funding for the U.S. mortgage markets and financial institutions.
Read about the agency’s 2015 examinations of Fannie Mac, Freddie Mac and the Home Loan Bank System.
Submit comments and provide input on FHFA Rules Open for Comment by clicking on Rulemaking and Federal Register.
Goal: Help restore confidence, enhance capacity to fulfill mission, and mitigate systemic risk that contributed directly to instability in financial markets.
MAINTAIN foreclosure prevention activities and credit availability, REDUCE taxpayer risk, and BUILD a new single-family securitization infrastructure. Read more in the 2016 Scorecard and Conservatorships Strategic Plan.
Plans and Reports
FHFA experts provide reliable data, including all states, about activity in the U.S. mortgage market through its House Price Index, Refinance Report, Foreclosure Prevention Report, and Performance Report.
Jan. 26 - Monthly
Feb. 25 - Quarterly
March 22 - Monthly
April 21 - Monthly
May 25 - Quarterly
June 22 - Monthly
July 21 - Monthly
Aug. 24 - Quarterly
September 22 - Monthly
October 25 - Monthly
Nov. 23 - Quarterly
Dec. 22 - Monthly
HARP - the Home Affordable Refinance Program was created by FHFA specifically to help homeowners current on their mortgage payments, but underwater on their mortgages.
FHFA economists and policy experts provide reliable research and policy analysis about critical topics impacting the nation’s housing finance sector. Meet the experts….
Key Topics pages provide information about FHFA's work on a range of issues facing the nation and highlight the most relevant related news releases, reports, statements and web pages on the respective topics.
The Honorable Melvin L. Watt of Charlotte, NC sworn in on January 6th to a 5-year term as the first Senate-confirmed Director of FHFA.
Read more about Director Watt
The Federal Housing Finance Agency (FHFA) has completed a comprehensive review of the agency’s policy for guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). FHFA’s review considered multiple factors, including responses to the agency’s June 2014 request for public input, analyses by housing finance market participants of the implied guarantee fee pricing from the Enterprises’ credit risk transfers, and internal analyses of Enterprise pricing, credit guarantee loss data, and modeling.
FHFA’s review focused on reaching an appropriate balance between FHFA’s statutory obligations to: 1) ensure the safety and soundness of the Enterprises, and 2) foster a liquid national housing finance market. In light of this balance, FHFA determined, based on both internal and external analysis, that the current average level of guarantee fees appropriately reflects the current costs and risks associated with providing the Enterprises’ credit guarantee.
As a result, FHFA finds no compelling economic reason to change the general level of fees. FHFA, however, is making certain minor and targeted fee adjustments. To implement these decisions, the agency is directing the Enterprises to make changes to their guarantee fees that will slightly reduce, maintain, or increase costs for different categories of loans. Since all of the guarantee fee changes are small, the agency does not expect the adjustments to cause any material changes to the Enterprises’ loan volume in any of the loan categories and expects the small changes to be revenue neutral.
Read more - History of Guarantee Fees
© 2016 Federal Housing Finance Agency