Center for Mortgage Access

Manufactured housing is the largest source of unsubsidized affordable housing in the United States, providing homes to roughly 7 million families. Since 2024, at least five states have passed laws requiring cities to allow manufactured housing wherever traditional site-built homes are permitted, joining 19 states with similar laws already on... [Read More]

The GSE charters mandate that Fannie Mae and Freddie Mac “promote access to mortgage credit throughout the Nation.” Nonetheless, GSE market shares vary widely across the fifty States, from 17% in Eagle Pass, TX to 67% in Boulder, CO. [Read More]

On Friday, Fannie Mae’s stock closed at just under $10 after reports of White House plans to sell a partial stake in the mortgage-finance giant. That’s roughly seven times its $1.39 price on the day President Trump was elected. Its sister company, Freddie Mac, has seen a similar surge. [Read More]

To treat shareholders fairly, and reduce the risk of future bailouts, they should receive the value the Enterprises would have had in a hypothetical 2008 liquidation: nothing. [Read More]

The Center for Mortgage Access (CMA) announces a new policy research organization dedicated to the role of public mortgage finance in expanding equitable access to homeownership. [Read More]