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Research
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The Single-Family Mortgage Industry in the Internet Era: Technology Developments and Market Structure
Author: Forrest Pafenberg, Senior Policy Analyst This OFHEO Research Paper examines how changes in technology have affected the structure and business practices of firms in the single-family mortgage industry in the last two decades and how lenders, Fannie Mae and Freddie Mac, and other firms are...
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Systemic Risk: Fannie Mae, Freddie Mac and the Role of OFHEO
Author: Robert S. Seiler, Manager of Policy Research The large and rapidly growing literature on financial crises, systemic risk, and the role of governments in mitigating that risk includes no detailed analyses of how Fannie Mae and Freddie Mac can affect systemic risk. This research paper...
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Systemic Risk: Fannie Mae, Freddie Mac and the Role of OFHEO
I. Executive Summary Fannie Mae and Freddie Mac – the two government-sponsored enterprises (GSEs) chartered by the federal government to support the secondary market for residential mortgages – provide considerable benefits to the housing sector of the U.S. economy. The Enterprises support housing...
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Enhancing Disclosure in the Mortgage-Backed Securities Markets
Author: Peter Nickoloff, Department of the Treasury Staff of the Department of the Treasury (“Treasury”), the Office of Federal Housing Enterprise Oversight (“OFHEO”), and the Securities and Exchange Commission (the “Commission”) formed a joint task force (“Task Force”) in August 2002 to conduct a...
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Mortgage Markets and the Enterprises in 2001
Author: Valerie L. Smith, Senior Policy Analyst Forrest Pafenberg, Senior Policy Analyst Brian Doherty, Senior Policy Analyst This Office of Federal Housing Enterprise Oversight (OFHEO) paper reviews developments in the housing sector and the primary mortgage market, the secondary market activities...
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Mortgage Markets and the Enterprises in 2000
Author: Valerie L. Smith, Senior Policy Analyst This Office of Federal Housing Enterprise Oversight (OFHEO) paper surveys developments in the housing sector and the primary mortgage market, the secondary market activities of Fannie Mae and Freddie Mac, and the financial performance of the...
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House Price Indexes: HPI Technical Description
Author: Charles A. Calhoun, Senior Economist FHFA estimates and publishes quarterly house price indexes for single-family detached properties using data on conventional conforming mortgage transactions obtained from the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National...