Goldhaber Policy Services, LLC

Developing Strategies & Shaping Policy for Effective Outcomes

  • FHA Cash-Out Refinances: Danger Ahead - The most recent Annual Report on the Financial Status of the Mutual Mortgage Insurance Fund for FY 2017 was the proverbial tale of two programs: the forward program which is much larger and has an improving capital ratio, and the very troubled home equity conversion program (HECMs) with a whopping negative capital ratio of 19.84% ... Continue reading
  • Fannie-Freddie’s Watt Making Few Changes Irks His Allies - By Clea Benson (Bloomberg, 10/1/14) After a speech to bankers in Raleigh, North Carolina last month, Melvin L. Watt, chief regulator of Fannie Mae and Freddie Mac, called on a man in the back of the hotel ballroom. Read more at
  • Fannie Mae and Freddie Mac Guarantee Fees Comment Letter - August 26, 2014 Mr. Joseph Prendergast Manager of Policy Research Federal Housing Finance Agency Office of Policy Analysis and Research 400 7th Street SW, Ninth Floor Washington, DC 20024 Re: Fannie Mae and Freddie Mac Guarantee Fees: Request for Input Introduction We are pleased to provide input and share perspectives in response to Fannie Mae ... Continue reading
  • Rebuilding Trust and Community Equity - By Mark Goldhaber and James Bennison (Carolina Banker, Spring 2013) As the economy slowly recovers, assessing the recession’s damage is obvious and overwhelming in too many neighborhoods. Individuals and institutions have suffered significant financial and personal loss over the last four years. Millions of Americans have lost homes. Millions more have seen credit scores plummet ... Continue reading
  • How to Get Buyers Into Homes - By Mark Goldhaber and James Bennison (News & Observer, 1/19/13) While there are many signs that our battered economy is slowly recovering, the nation’s home purchase market still lags behind. Without fundamental changes, it will not return as millions of potential and deserving homeowners continue to be shut out of the market. This is a ... Continue reading
  • Higher Mortgage Fees Proposed in Five States - By Nick Timiraos And Alan Zibel (Wall Street Journal, 9/20/12) The federal regulator for Fannie Mae and Freddie Mac will propose Thursday charging slightly more for all mortgages in a handful of states where it takes longer for banks to foreclose. Read more at
  • Extend and Broaden the Mortgage Debt Relief Act Now - By Mark Goldhaber and Julia Gordon (American Banker, 9/5/12) Last month, the federal conservator of Fannie Mae and Freddie Mac issued significant new policies streamlining the process for short sales, through which underwater borrowers can sell their home for less than what they owe on their mortgages. Read more at
  • FHA’s Funding Woes Add Momentum to Housing Finance Overhaul - By Clea Benson (Bloomberg News, 1/8/12) Financial troubles at the Federal Housing Administration are stirring political momentum for changes to the U.S. government role in mortgage finance, even as Fannie Mae, Freddie Mac and the housing market are recovering. President Barack Obama’s 2013-2014 budget next month is likely to reflect that the FHA will require ... Continue reading