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29.11.25 - 19:00
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What Is Unaffordable? (ZeroHedge)
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What Is Unaffordable?
Authored by Richard Lyons via American Greatness,
The new Democrat Party's appeal to the public these days is that the failure of a free enterprise system has made America unaffordable and that all Americans need government help! This sort of emergency plea to the public has been made before.
In order to make housing more affordable in the early 2000s, Fannie and Freddie Mac, US government mortgage guarantor companies, began pressuring mortgage lenders to widen their rules for mortgage lending, even to include NINJA loans—No Income, No Job, No Problem—for purchasing real estate properties; then Fannie and Freddie married that expansion with marketing Adjustable Rate Mortgages, which would float according to Federal Reserve rates.
The outcome was the real estate and stock market crash of 2008. Since then, between 2009 and 2016, the fed rate was kept arbitrarily low at .75%, which inflated real estate prices; from 2020 to 2022, the fed rate was pushed down again to ....
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26.11.25 - 18:03
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Mortgage Rates Decrease (GlobeNewswire EN)
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MCLEAN, Va., Nov. 26, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.23%....
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25.11.25 - 22:33
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Freddie Mac Issues Monthly Volume Summary for October 2025 (GlobeNewswire EN)
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MCLEAN, Va., Nov. 25, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today posted to its website its Monthly Volume Summary for October 2025, which provides information on Freddie Mac's mortgage-related portfolios, securities issuance, risk management, delinquencies, debt activities and other investments....
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21.11.25 - 15:06
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Tidalwave Raises $22M Series A, on Track to Reach 4% of U.S. Mortgage Market (Business Wire)
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D.R. Horton, Inc. becomes investor and enterprise customer in landmark mortgage tech dealNEW YORK--(BUSINESS WIRE)--Tidalwave, an agentic AI-powered mortgage point-of-sale (POS) platform, today announced a $22 million Series A funding round led by Permanent Capital, with participation from D.R. Horton, Inc., the nation's largest homebuilder, and a follow-on from Engineering Capital. This brings Tidalwave's total funding to $24 million.
The average mortgage takes 43 days to close and requires hundreds of manual data entry tasks across disconnected systems, a process that has changed little despite a decade of supposed digital transformation. This inefficiency costs lenders money and frustrates borrowers who expect the speed they get from other financial services. Tidalwave solves this with agentic AI, specialized autonomous software agents that handle end-to-end mortgage tasks like verification and underwriting with minimal manual oversight. Freddie Mac research1 shows lenders that deploy digital automat...
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20.11.25 - 18:06
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Mortgage Rates Show Little Movement (GlobeNewswire EN)
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MCLEAN, Va., Nov. 20, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.26%....
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20.11.25 - 00:00
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Ackman Floats "Immediately Actionable" Blueprint To Free Fannie And Freddie (ZeroHedge)
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Ackman Floats "Immediately Actionable" Blueprint To Free Fannie And Freddie
Bill Ackman thinks he knows what to do to finally resolve the 16-year limbo trapping Fannie Mae and Freddie Mac - the mortgage-finance pillars that remain under federal control over a decade after the financial crisis.
In a Tuesday presentation on X, the billionaire founder of Pershing Square Capital Management outlined a three-step proposal he says would meet the Trump administration's policy goals, while restoring the companies to private-market discipline. The plan comes amid the White House's struggle to ease housing costs - which included an absurd idea to roll out 50-year mortgages.
The two government-sponsored entities (GSEs) underpin roughly half of America's $12 trillion mortgage market. They don't lend directly - rather, they purchase mortgages from banks and lenders, package them into securities and guarantee investors against losses. This system helps keep credit flowing through economi...
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17.11.25 - 12:06
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Walker & Dunlop Arranges $192 Million Refinance for Cortland Multifamily Portfolio (Business Wire)
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BETHESDA, Md.--(BUSINESS WIRE)--Walker & Dunlop, Inc. announced today that it arranged 192,068,000 in loan proceeds to refinance a four-property, 1,137 unit portfolio located in Miami, Denver and Dallas.
Walker & Dunlop Capital Markets, led by Stephen Farnsworth and team, arranged the Freddie Mac loan on behalf of longtime client, Cortland Partners.
The portfolio includes the following communities:
Cortland at the Hammocks I & II — Miami, FL — 720 units
Huntington Glen — Dallas, TX — 224 units
Cortland Congress Park — Denver, CO — 193 units
“We're proud to have arranged this portfolio refinancing for Cortland alongside long-standing lending partner Freddie Mac,” said Farnsworth, senior managing director at Walker & Dunlop. “Since acquisition, Cortland has invested meaningfully in these communities, successfully executing its value-add strategy and repositioning the assets within their respective markets. Our continued partnership reflects a shared commitment to supporting mission-driven...
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14.11.25 - 05:27
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Trump Admin Considering ′Portable Mortgages′: Top US Housing Regulator (ZeroHedge)
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Trump Admin Considering 'Portable Mortgages': Top US Housing Regulator
Authored by Andrew Moran via The Epoch Times,
The country's top housing regulator said the Trump administration is considering another tool that could address America's affordability challenges.
“We are actively evaluating portable mortgages,” Bill Pulte, Federal Housing Finance Agency director, said in a Nov. 12 post on X, providing no further details.
This comes days after he suggested that Fannie Mae and Freddie Mac were “evaluating how to do assumable or portable mortgages, in a safe and sound manner.”
Portable mortgages would allow homeowners to transfer their existing mortgages—rates, terms, and amortization schedule—to a new residential property.
The concept, in theory, would help borrowers avoid penalties and possibly save on interest.
It is unavailable in the United States but is an option in Canada, the UK, and parts of the European Union.
Assumable mortgages refer to when a homebuyer takes over th...
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13.11.25 - 18:18
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Average US long-term mortgage rate rises again, inching up to 6.24% (AP)
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The average rate on a 30-year U.S. mortgage edged higher for the second week in a row, though it remains near its low point so far this year. The average long-term mortgage rate ticked up to 6.24% from 6.22% last week, mortgage buyer Freddie Mac said Thursday. A year ago, the rate averaged 6.78%. Just......
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13.11.25 - 18:03
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Mortgage Rates Broadly Flat (GlobeNewswire EN)
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MCLEAN, Va., Nov. 13, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.24%....
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