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The housing market has undergone significant changes in recent years, leaving many homeowners and prospective buyers feeling uncertain about its future direction. Interest rates have risen from historic lows, making affordability a pressing issue, and discussions about the possible privatization of Fannie Mae and Freddie Mac are sparking new concerns about the future of housing and mortgages in America.
In this episode, we welcome back Nathan Hartseil of Main Street Home Loans. Nate explains the complex role of Fannie Mae and Freddie Mac in the housing market, including how they provide liquidity and stability, why they have remained under government conservatorship since 2008, and what could happen if they were to transition to private control.
From the potential impact on interest rates and borrowing standards to how privatization could shape opportunities for first-time buyers, investors, and empty nesters, Nate shares his thoughts and insights into how this shift could affect anyone who may need mortgage financing in the near future.
Whether you’re considering buying your first home, refinancing, or making a change in retirement, this conversation sheds light on a pivotal topic that could redefine the housing landscape for years to come.
In this podcast interview, you’ll learn:
- Why Fannie Mae and Freddie Mac were placed under government conservatorship in 2008 and their role in stabilizing the housing market.
- How privatization could impact mortgage rates for both borrowers with healthy and unhealthy credit scores.
- The effect of higher interest rates on affordability, refinancing, and downsizing decisions.
- What the return and popularity of non-qualified mortgages means for today’s lending environment.
- The innovation and challenges that competition from private investors could bring to the mortgage industry.
Want the Full Show Notes?
To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast
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