Edward J. Pinto

A GSE exemption in the bureau’s “qualified mortgage” rule is set to sunset in 2021, and regulators should not try to extend it as some experts have suggested.

The government-sponsored enterprises have continued to expand over the past decade, despite being in conservatorship. New leadership at the FHFA should reverse this trend.

Home prices are rising and first-time buyers now account for an increasing share of sales, factors that could lead to a surge in defaults during the next economic downturn.

A new analysis of mortgage data demonstrates how default rates, not just approval and decline rates, can be used to evaluate findings of unfair treatment in lending.

Instead of shrinking the GSEs, the housing regulator is letting them expand into a host of new products and programs.

As policymakers take another crack at housing finance reform, federal leaders and the housing lobby are once again perpetuating the false notion that ending government guarantees would cause the 30-year, fixed-rate mortgage to vanish.

The agency should resist renewed calls to lower insurance premiums. Doing so would increase demand and raise home prices, negating any proposed benefits.

The battle lines are drawn between those seeking to protect the mortgage interest deduction and a legislative effort to greatly reduce its use. Hopefully, this is a battle that taxpayers will win.

Housing policy focused on government guarantees and the 30-year mortgage hasn't done much to help low- and middle-income homeowners build wealth.