Freddie Mac

Which is better for mortgage — FICO or VantageScore?

Credit Score, Fannie Mae, FHFA, FICO, Freddie Mac, HWmember, LendingLife, Mortgage, Origination, Regulatory, VantageScore / Ricky Vasquez

VantageScore and FICO have escalated their rivalry in the mortgage space following the Federal Housing Finance Agency’s (FHFA) decision to allow Fannie Mae and Freddie Mac to purchase loans underwritten with VantageScore 4.0 as an alternative to the Classic FICO score. Both companies published analyses this week from their data scientists. Naturally, each claims their score more […]

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Why FHFA may bet on CSP to reform Fannie, Freddie

Fannie Mae, Freddie Mac, Politics and policy, Secondary markets / Ricky Vasquez

Recent plans for a jointly owned government-sponsored enterprise entity that serves as a common securitization platform (CSP) for their bonds appear positioned as the most likely way to achieve monetization goals the Trump administration has for Fannie Mae and Freddie Mac. Even before Common Securitization Solutions repositioned as U.S. Financial Technology experts had identified the

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VantageScore 4.0 is coming. But much work needs to be done

Bill Pulte, Fannie Mae, FHFA, FICO, Freddie Mac, HWmember, LendingLife, Mortgage, Origination, Regulatory, VantageScore / Ricky Vasquez

In the days following the announcement that VantageScore 4.0 was suddenly in play for conventional mortgages, FinLocker‘s Brian Vieaux had to burst some bubbles. Most of the 15 to 20 loan officers he spoke to were ecstatic about being able to use the new credit scoring model. Millions of new prospective borrowers could be scored

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Bill aims to construct homes with proceeds from future GSE release

Affordability, Affordable housing, Fannie Mae, Freddie Mac, GSE Reform, Homebuilders, Homeownership, House of Representatives, Housing Market, HWmember, Legislation, Rental Properties / Ricky Vasquez

U.S. Reps. Tom Suozzi (D-N.Y.) and Nicole Malliotakis (R-N.Y.) have introduced the Housing for US Act — a bipartisan proposal aimed at easing the national housing shortage by investing federal funds into the construction of millions of new homes for middle-class Americans. The bill, which is currently awaiting committee review, calls for up to $250

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Fannie updates AML rules, Freddie adds a buydown option

Fannie Mae, Freddie Mac, Originations, Secondary markets, Underwriting / Ricky Vasquez

The larger of two influential government-related mortgage buyers has made clear that even non depository mortgage companies not governed by the Bank Secrecy Act still have certain anti-money laundering responsibilities. “If a seller/servicer is not subject to the BSA’s AML provisions, it must establish a suspicious activity identification program,” Fannie Mae said in a bulletin,

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Armando Falcon on the FHFA’s move toward crypto mortgages

Bill Pulte, Cryptocurrency, Fannie Mae, FHFA, Freddie Mac, HWmember, LendingLife, Mortgage, Origination, Technology / Ricky Vasquez

It’s been just over a week since Federal Housing Finance Agency (FHFA) Director Bill Pulte directed Fannie Mae and Freddie Mac to start preparing for the use of cryptocurrency in single-family mortgages. With limited guidance beyond the FHFA’s directive, mortgage originators and industry experts are working to assess how cryptocurrency could be applied to mortgages.

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Tech Pulse: Fannie, Freddie move on fintech, crypto, fraud prevention

Artificial Intelligence, Fannie Mae, Freddie Mac, HWmember, Lenders, Lone Wolf Technologies, Mortgage, Real Estate, Real Estate Agents, Technology, Volly / Ricky Vasquez

Welcome back to Tech Pulse — HousingWire‘s weekly series rounding up the latest in technology — including tools, integrations and trends that impact mortgage and real estate. Here’s what happened this week: Fannie Mae, Freddie Mac jointly create U.S. Financial Technology Fannie Mae and Freddie Mac have launched U.S. Financial Technology LLC to replace Common Securitization Solutions. The

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Pulte brings Fannie, Freddie together to talk deregulation

Capital markets, Fannie Mae, Freddie Mac, Politics and policy, Secondary markets / Ricky Vasquez

The conservator of two government-sponsored enterprises that buy and securitize many mortgages originated in the United States said he’s arranged some unusual talks between them to get their input on deregulation. “In following President Trump’s deregulation mandate, I ordered the executives of Fannie and Freddie to meet and provide me [with] regulatory changes,” Bill Pulte,

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Pulte still contacted by woman arrested for bomb threat

Bill Pulte, FHFA, Freddie Mac, HWmember, Mortgage, Politics, Regulatory / Ricky Vasquez

In a social post on X on Thursday, FHFA Director Bill Pulte said a fired Freddie Mac employee who was arrested in March for threatening to blow up the Freddie Mac building in McLean, Virginia has continued to contact him. It’s Pulte’s first public statement on the incident since the woman’s arrest. Pulte posted: “Recently,

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Pulte pushes Fannie, Freddie to count crypto assets

Capital markets, Cryptocurrency, Fannie Mae, Freddie Mac, Secondary markets / Ricky Vasquez

Housing regulator Bill Pulte has instructed the two government-sponsored enterprises he oversees, Fannie Mae and Freddie Mac, to move toward recognizing crypto holdings without requiring conversion when assessing borrowers’ ability to repay, a move that could help bring digital currency further into the mainstream. He formally authorized this Wednesday and directed the GSEs to plan

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Which is better for mortgage — FICO or VantageScore?

Why FHFA may bet on CSP to reform Fannie, Freddie

VantageScore 4.0 is coming. But much work needs to be done

Bill aims to construct homes with proceeds from future GSE release

Fannie updates AML rules, Freddie adds a buydown option

Armando Falcon on the FHFA’s move toward crypto mortgages

Tech Pulse: Fannie, Freddie move on fintech, crypto, fraud prevention

Pulte brings Fannie, Freddie together to talk deregulation

Pulte still contacted by woman arrested for bomb threat

Pulte pushes Fannie, Freddie to count crypto assets

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