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  "id": "federal-housing-finance-agency",
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      "slug": "mortgage-rates-2025-2026",
      "title": "Mortgage Rates: One Week Below 6 Percent, Then Back Above 7",
      "url": "https://whatledto.com/events/mortgage-rates-2025-2026",
      "json": "https://whatledto.com/events/mortgage-rates-2025-2026.json",
      "role": "Fannie Mae and Freddie Mac’s regulator; it raised conforming-loan limits and approved new credit-score options.",
      "entries": 4,
      "updated_at": "2026-10-16T02:11:12.399767+00:00"
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      "slug": "fed-rate-path-2025-2026",
      "title": "The Fed's Rate Path: From the 2024 Cuts to Warsh's First Meetings",
      "url": "https://whatledto.com/events/fed-rate-path-2025-2026",
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      "role": "Its director's mortgage-fraud allegation against Cook was the stated basis for Trump's attempted removal.",
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      "timeline": "mortgage-rates-2025-2026",
      "id": 1326,
      "url": "https://whatledto.com/events/mortgage-rates-2025-2026#n1326",
      "date": "2026-04-22",
      "date_precision": "day",
      "title": "FHFA and FHA implement new mortgage credit-score options",
      "summary": "The Federal Housing Finance Agency said Fannie Mae and Freddie Mac updated their selling guides for VantageScore 4.0 and FICO Score 10T. The agencies began accepting Vantage-scored loans from approved lenders, while the Federal Housing Administration permitted the scores for FHA-insured underwriting.",
      "type": "regulatory",
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        "Federal Housing Finance Agency",
        "Federal Housing Administration",
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        "VantageScore",
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        {
          "url": "https://www.fhfa.gov/news/news-release/homebuying-advances-into-new-era-of-credit-score-competition",
          "outlet": "Federal Housing Finance Agency",
          "published": "2026-04-22",
          "quote": "Fannie Mae and Freddie Mac are also moving forward with VantageScore 4.0 and FICO Score 10T, updating their selling guides with the new scores and immediately accepting Vantage-scored loans from approved lenders."
        }
      ]
    },
    {
      "timeline": "mortgage-rates-2025-2026",
      "id": 1309,
      "url": "https://whatledto.com/events/mortgage-rates-2025-2026#n1309",
      "date": "2026-01-12",
      "date_precision": "day",
      "title": "The 50-year mortgage is dropped; the bond buying starts with $3 billion",
      "summary": "Pulte told reporters the administration had other priorities when asked whether 50-year mortgages were still on the table, two months after proposing them. He said Fannie Mae and Freddie Mac had begun carrying out Trump's bond-buying order with an initial US$3 billion purchase, and said the two companies had more liquidity than they knew what to do with.",
      "type": "response",
      "entities": [
        "Bill Pulte",
        "Fannie Mae",
        "Freddie Mac",
        "Federal Housing Finance Agency"
      ],
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        "bill-pulte",
        "fannie-mae",
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        {
          "url": "https://themortgagepoint.com/2026/01/12/pulte-pulls-back-on-50-year-mortgage-idea-pushed-by-administration/",
          "outlet": "MortgagePoint",
          "published": "2026-01-12",
          "quote": "Pulte said Fannie and Freddie, the government-sponsored mortgage entities which his agency oversees, have started carrying out Trump’s order last week to buy $200 billion in mortgage bonds in an effort to lower home loan rates, starting with a $3 billion buy."
        }
      ]
    },
    {
      "timeline": "mortgage-rates-2025-2026",
      "id": 1324,
      "url": "https://whatledto.com/events/mortgage-rates-2025-2026#n1324",
      "date": "2025-11-25",
      "date_precision": "day",
      "title": "FHFA raises the 2026 conforming-loan limit to $832,750",
      "summary": "The Federal Housing Finance Agency set the baseline 2026 conforming-loan limit for one-unit properties at $832,750 in most of the United States. The limit was $26,250 higher than the 2025 baseline and applies to mortgages eligible for purchase by Fannie Mae and Freddie Mac.",
      "type": "regulatory",
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        {
          "url": "https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026",
          "outlet": "Federal Housing Finance Agency",
          "published": "2025-11-25",
          "quote": "In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025."
        }
      ]
    },
    {
      "timeline": "mortgage-rates-2025-2026",
      "id": 1307,
      "url": "https://whatledto.com/events/mortgage-rates-2025-2026#n1307",
      "date": "2025-11-08",
      "date_precision": "day",
      "title": "Trump floats a 50-year mortgage, and the FHFA says it is working on one",
      "summary": "Trump posted an image on Truth Social pairing Franklin Roosevelt under the words 30-year mortgage with himself under 50-year mortgage. FHFA Director Bill Pulte confirmed on X that the agency was working on the product, calling it a game changer. No detail was published on the White House press page, and a 50-year term would not meet the qualified-mortgage rules written after 2008.",
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        "Bill Pulte",
        "Federal Housing Finance Agency"
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        {
          "url": "https://www.housingwire.com/articles/trump-proposes-50-year-mortgage-to-help-affordability/",
          "outlet": "HousingWire",
          "published": null,
          "quote": "Thanks to President Trump, we are indeed working on The 50 year Mortgage – a complete game changer."
        }
      ]
    }
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