Fannie Mae and Freddie Mac Get New Housing Goals Push
Published Date: 10/2/2025
Proposed Rule
Summary
The FHFA is setting new housing goals for Fannie Mae and Freddie Mac from 2026 to 2028 to help more people get affordable homes. They’re simplifying rules, focusing on low-income areas, and updating penalty amounts to keep things fair. These changes affect lenders and communities, with clear targets and timelines to boost housing opportunities.
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
New 2026–2028 Housing Benchmarks
FHFA proposes benchmark levels for Fannie Mae and Freddie Mac’s housing goals for the 2026 through 2028 period. These benchmarks set targets the Enterprises should meet to help more people get affordable homes during 2026–2028.
One Low-Income Areas Subgoal
The rule replaces the two prior area-based subgoals with a single low-income areas subgoal for 2026–2028, focusing the Enterprises’ goal metrics on low-income neighborhoods. If you live in a low-income area, the Enterprises’ activities will be measured against this single subgoal during 2026–2028.
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Key Dates
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