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  2. Government policies and the subprime mortgage crisis

    en.wikipedia.org/wiki/Government_policies_and...

    "Over the past decade Fannie Mae and Freddie Mac have reduced required down payments on loans that they purchase in the secondary market. Those requirements have declined from 10% to 5% to 3% and in the past few months Fannie Mae announced that it would follow Freddie Mac's recent move into the 0% down payment mortgage market." [153]

  3. Subprime mortgage crisis - Wikipedia

    en.wikipedia.org/wiki/Subprime_mortgage_crisis

    During the later part of the Clinton administration, HUD Secretary Andrew Cuomo announced "new regulations to provide $2.4 trillion in mortgages for affordable housing for 28.1 million families, which increased the required percentage of mortgage loans for low- and moderate-income families that finance companies Fannie Mae and Freddie Mac must ...

  4. Subprime crisis impact timeline - Wikipedia

    en.wikipedia.org/wiki/Subprime_crisis_impact...

    September: Fannie Mae eases the credit requirements to encourage banks to extend home mortgages to individuals whose credit is not good enough to qualify for conventional loans. [62] November: The Gramm-Leach-Bliley Act (Financial Services Modernization Act) passes. It repeals the Glass-Steagall Act of 1933. It deregulates banking, insurance ...

  5. Fannie Mae and Freddie Mac aren’t your neighbors - AOL

    www.aol.com/finance/fannie-mae-freddie-mac-aren...

    Each year, Fannie Mae and Freddie Mac set a baseline conforming loan limit, adjusting it for high-cost areas. For 2025, the baseline limit is rising from $766,550 to $806,500.

  6. Fannie Mae Updates Decline in Home Sales to 4.1 Percent ... - AOL

    www.aol.com/finance/fannie-mae-updates-decline...

    The Fannie Mae Economic and Strategy Research (ESR) Group projects a decline in home sales as interest rates rise and economic growth slows, according to a press release and associated commentary...

  7. Fannie Mae: Faltering U.S. Confidence Foreshadows ... - AOL

    www.aol.com/news/2011-08-08-fannie-mae-faltering...

    Americans' confidence in the economy, their personal finances and the housing market was already sliding ahead of the latest stock-market debacle, according to a Fannie Mae survey released Monday.

  8. Housing and Economic Recovery Act of 2008 - Wikipedia

    en.wikipedia.org/wiki/Housing_and_Economic...

    The United States Housing and Economic Recovery Act of 2008 (commonly referred to as HERA) was designed primarily to address the subprime mortgage crisis.It authorized the Federal Housing Administration to guarantee up to $300 billion in new 30-year fixed rate mortgages for subprime borrowers if lenders wrote down principal loan balances to 90 percent of current appraisal value.

  9. Conforming loan - Wikipedia

    en.wikipedia.org/wiki/Conforming_loan

    Other guidelines include borrower's loan-to-value ratio (i.e. the size of down payment), debt-to-income ratio, credit score and history, documentation requirements, etc. [3] In general, any loan that does not meet guidelines is a non-conforming loan .

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