AEI's housing finance reform plan provides the opportunity for a possible bi-partisan solution that could result in true reform of our housing finance market.

Congress should allow Fannie, Freddie, and FHA’s loan limits to drop.

Discolsures contained in SEC complaints further validate the necessity to look behind Fannie and Freddie's characterization of subprime loans.  

The alarm bells are now ringing for the Federal Housing Administration, with delinquencies increasing.  The immediate and pressing issue is the safety and soundness of FHA today and the risk it poses to the taxpayer.  

At this AEI event, Wharton professor Joseph Gyourko discusses the implications of his research on the Federal Housing Administration. Edward Pinto, AEI scholar and housing finance expert, will respond.

In case you missed it: in a recent piece, mortgage finance and housing expert Edward Pinto writes that the 30-years mortgage could well be the cause of a new housing bubble.

The federal government has taken over large swaths of consumer lending, most notably the $10 trillion home mortgage and $1 trillion student lending markets. The government's share of new loans for each now approaches 100%.Government monopolies in financial services pose risks to taxpayers as well as borrowers

Though its capital position improved slightly over last month, the FHA is still firmly in the red, with a current net worth of –$13.45 billion. Particularly alarming is the growth of the Ginnie/USDA division, which has a higher default rate than the FHA.