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FHFA Uniform Appraisal Dataset Aggregate Statistics: A New Resource to Provide Insights on Home Valuation
Introduction Home valuation through the appraisal process is a vital component of the home purchase, mortgage lending, and equity-building processes. The public release of appraisal data may offer a new resource to generate valuable insights. Publicly sharing appraisal data improves market...
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What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?
The Housing and Economic Recovery Act of 2008 (HERA) imposes several important data requirements on FHFA. Section 1324 requires FHFA to provide to Congress an Annual Housing Report on the performance of Freddie Mac and Fannie Mae (the Enterprises) in the previous year. As an input to FHFA's Annual...
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Mortgage Performance During the COVID-19 Pandemic
Since March, the United States experienced a surge in job losses that has created a concern about the ability of homeowners to pay their mortgages. One way of measuring homeowners’ ability to make their mortgage payments in the current environment is to calculate the incidence of past-due mortgages...
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Who Did the Increase in Conforming Loan Limits Cover in 2019?
Each calendar year, statute requires FHFA to adjust the conforming loan limits (CLLs) by formula to reflect the national rate of increase in home prices over the past year. More detail on that process can be found in our FAQs. The CLLs represent the upper limit on the size of mortgages eligible...