The majority of mortgages originated in the past few years was secured by Fannie mae and you may Freddie Mac computer. These types of Bodies-Paid People (GSEs) do maybe not material funds really, but rather it buy fund out-of loan providers, package them to your ties, and sell these to dealers.

Together, Federal national mortgage association and Freddie Mac taken into account almost sixty% of all of the the mortgages in pandemic, that is off on previous level off nearly 64% when you look at the 2012 it is greater than just back into 2005. Continua a leggere