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This idea has again resurfaced, specifically to sustain and extend the payroll tax cut. This legislation would allow for an increase between 10-12.5 basis points in the guarantee fees (G-Fees) paid to the GSEs, namely Fannie Mae (FNMA) and Freddie Mac (FHMLC).
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The current budgetary treatment of Fannie Mae and Freddie Mac. mortgage guarantees may even show gains for the government in the short-term because fees are collected up front but losses are.
Fannie Mae and Freddie Mac play a key role in the secondary mortgage market, which is crucial in providing capital for mortgage lending. During the housing finance sector’s collapse, private capital withdrew from having a significant, competing role with the GSEs.
GSEs’ Mortgage Guarantee Fees on the Downswing So the mortgage is sold to the secondary market, likely Fannie Mae or Freddie Mac. In fact, the GSEs and FHA bought or guaranteed 95% of all new mortgages in fiscal year 2011! mind blowing numbers compared to when 40% market share was seen as high in the early 2000s.
The question of appropriate g-fee levels should not be looked at in isolation, especially if g-fees are intended to be used as a policy lever to cause shifts in market dynamics outside of the GSEs. As FHFA knows, mortgage finance markets are complicated, interconnected, and always changing. The risk presented to the enterprises will
How Mortgage GSEs Work. When these mortgages are sold, lenders use the funds to provide credit to those purchasing homes. The GSEs do not lend money directly to the public. Besides purchasing secondary market loans, GSEs guarantee third party loans and issue agency bonds, which are short- or long-term bonds.
For those unfamiliar, g-fees are guarantee fees, and represent the charge to lenders, above what capital markets investors charge to finance mortgages, to reflect that the GSEs guarantee the credit risk on the mortgages to those investors. They are at the core of what the two GSEs do and generate their primary source of revenues and profits.
Even with g-fee parity in place, smaller mortgage lenders who sell loans to the GSEs have lost ground to bigger players recently due to consolidation. The federal housing finance Agency’s latest annual single-family g-fee study shows smaller lenders ceded 7% of their market share to top-five lenders between 2016 and 2017.
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