Janneke Ratcliffe

2 months ago | urban.org | Laurie Goodman |Janneke Ratcliffe |Michael Neal |Jung Hyun Choi

Housing Finance At A Glance is a monthly reference guide policymakers and industry professionals have used since 2013 to stay informed about the latest mortgage and housing market data. The chartbook includes more than 80 updated figures describing current trends in the US housing finance market, such as housing affordability, credit availability, and serious delinquency rates.

Jan 24, 2025 | urban.org | Laurie Goodman |Janneke Ratcliffe

Fannie Mae and Freddie Mac, the government-sponsored enterprises (GSEs) that play a major role in the US housing finance system, have been in conservatorship since 2008. Many market participants anticipate the Trump administration will recapitalize these entities and release them from conservatorship.

Dec 19, 2024 | urban.org | Janneke Ratcliffe |Sarah Gillespie |Samantha Batko |Yonah Freemark

Caption We equip federal, state and local policymakers, practitioners, advocates, media and philanthropy with rigorous research they need to advance affordable, healthy, and resilient housing and places with reliable infrastructure, equitable economic opportunities, supportive financial systems, and sustainable land use policies.

Nov 27, 2024 | urban.org | Laurie Goodman |Janneke Ratcliffe |Michael Neal |Jung Hyun Choi

In the November 2024 edition of At A Glance, the Housing Finance Policy Center’s reference guide for mortgage and housing data, Year-over-year house price appreciation for the most expensive homes surpassed appreciation for the least expensive homes for the first time since March 2022, the number of mortgages with mortgage insurance is up from Q3, 2023, but the composition has shifted, with the FHA and VA share up, and the PMI share down, and the cashout share of refinances decreased by 20...

Oct 30, 2024 | urban.org | Laurie Goodman |Janneke Ratcliffe |Michael Neal |Jung Hyun Choi

In the October 2024 edition of At A Glance, the Housing Finance Policy Center’s reference guide for mortgage and housing data, the cashout share of refinances has decreased to the lowest share since October 202, prepayment rates and refinance shares of all loans are increasing, particularly among Ginnie loans and year-over-year house price appreciation has slowed over 2024.