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Housing

Eight Steps to Eliminate Fannie Mae and Freddie Mac—Permanently

It is time to close both Fannie Mae and Freddie Mac—the government-sponsored mortgage giants. Read More.

Without Fannie Mae and Freddie Mac

Fannie Mae and Freddie Mac followed policies that enabled Americans to make low down payments on home purchases. This study analyzes how government-sponsored affordable lending efforts impacted homeownership rates. Read More.

The Effect on Housing Starts

This study finds that shutting down Fannie and Freddie during the test period of 1980–2010 would have slightly affected housing starts at the national and regional levels. Read More.

Effect on the Homeownership Rate

For decades, Fannie Mae and Freddie Mac followed securitization policies that enabled Americans to make a low down payment when they purchased a house. Read More.

Effect on Home Prices

Clearly, economists are far from reaching a consensus on the roots of the boom-bust behavior in the real estate market. Read More.

The 2008 collapse of the housing market had many causes, including subprime mortgages, lax lending standards, and land use regulations. Fannie Mae and Freddie Mac must be eliminated to allow for a better-functioning, private housing finance industry and to eliminate the risk of taxpayer-funded bailouts. Land use deregulation will also help revive housing markets.

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Experts on Housing