Articles & Op-eds

Recap: Making Housing Finance System More Sustainable and Reducing Taxpayer Exposure Through Increased Front End Risk Sharing

December 7, 2015

Last week, we saw several indications that momentum is growing to make the housing finance system more sustainable and reduce taxpayer exposure by further de-risking the Government Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac with increased front end risk sharing, in particular, by expanding private Mortgage Insurance (MI) coverage.

American Banker: Congress Has Not Acted, So Here’s a Simpler GSE Plan

December 4, 2015

(December 4, 2015) The likelihood of meaningful congressional action on reforming our housing finance system is still very low for the foreseeable future.

DS News: Risk Sharing Transactions: Front End vs. Back End

December 2, 2015

USMI president Lindsey Johnson recently sat down for a Q&A discussion on risk sharing with DS News. Below is a portion of her discussion. Lindsey Johnson currently serves as U.S. Mortgage Insurers (USMI) President and Executive Director. Johnson previously served as a … Continued

The Hill: Making Progress to Sustain Homeownership

June 4, 2015

June is National Homeownership Month, an important reminder that homeownership remains a cornerstone of the American dream. It is also a reminder that there is unfinished work left to do to put our housing finance system on a more sustainable footing so that more Americans will have access to prudent and affordable mortgage credit well into the future, and taxpayers are shielded from risks.

The Hill: FHA and the need to strike the right balance for taxpayers

March 11, 2015

The recent decision by the Federal Housing Administration (FHA) to lower annual mortgage insurance premiums has generated an important discussion in Washington about the roles of government and private capital in supporting homeownership, while at the same time protecting taxpayers.

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