GSEs: Critical to Housing During Pandemic

Nov 1, 2021
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NAR’s vision for the GSEs to be reformed as Market Utilities was first introduced in February of 2019. Today, as we continue to navigate the impact and implications of COVID-19 pandemic, we ask ourselves, is the NAR Utility Model still the most viable solution?

In many ways FHFA’s stewardship of Fannie Mae and Freddie Mac over the past 6 months has validated NAR’s proposed utility model for housing finance reform. Our mortgage market is so strong in large part because the GSEs have a mandated mission to provide stability in the residential mortgage market and the FHFA has insisted they fulfill that mission throughout the pandemic.

View also: NAR's Vision for the GSEs (video)

NAR's Vision for the GSEs

May 5, 2020
The history of the GSEs' role in housing finance, the 2008 foreclosure crisis, and NAR’s vision for reform.

Fannie Mae & Freddie Mac (GSEs)

Without the government’s support of the GSEs and FHA-insured loans, there would be almost no capital available for mortgage lending.
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