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🏛️ Will Fannie & Freddie Go Private? Why It Matters for Mortgages

June 27, 2025 | Mortgage Industry Insights | Presented by ReadySetLoan™


Fannie Mae and Freddie Mac — the two mortgage giants that underpin nearly half of the U.S. housing finance system — are once again making headlines. The buzz? Possible steps toward privatization. But what does that really mean for homebuyers, homeowners, and the broader mortgage market?

Let’s unpack it — the ReadySetLoan™ way.


🐷 RSL Piggy Points: What’s Actually Happening?

  • Context: Fannie and Freddie were placed into government conservatorship in 2008 after the housing crash. Since then, they’ve remained under federal oversight.

  • Recent Rumors: New proposals suggest winding down their role as government-sponsored enterprises (GSEs) and returning them to private ownership.

  • Reality Check: These rumors resurface every few years. While some policymakers support privatization, actual progress has been glacial — and it remains controversial.


“Privatizing Fannie and Freddie would shift risk away from taxpayers — but it could also shrink access to affordable financing,” says Neil Caron, Area Sales Manager at CMG Mortgage. “There’s a fine line between protecting the market and preserving opportunity for borrowers.”

🔍 Why This Matters to You


Whether you’re house-hunting or refinancing, any changes to Fannie and Freddie affect:

  • Mortgage Rates: Government support helps keep rates low. Without it, borrowing could get pricier.

  • Loan Availability: GSEs back a wide range of loan products, especially for middle-income borrowers.

  • Market Stability: Their presence keeps the mortgage market liquid — meaning banks are more willing to lend.


So, any shift toward privatization is more than a policy debate — it’s a potential shakeup for your mortgage strategy.


🐷 RSL Perspective

At ReadySetLoan™, we keep our ears to the ground for policy changes so you don’t have to. While headlines may sound dramatic, the reality is: Fannie and Freddie are likely to stay put in their current role for now. Still, watching their future gives us valuable insight into the evolving mortgage landscape.

If changes do happen — you’ll be the first to know, and we’ll help you pivot your strategy accordingly.


🎙️ Neil’s Take

“Conversations around privatizing Fannie and Freddie are important, but borrowers shouldn’t panic,” Neil Caron explains. “Focus on what you can control: understanding your options, preparing your finances, and working with trusted advisors. That’s where ReadySetLoan™ shines.”


✅ Next Steps with ReadySetLoan™

If you're wondering how macro policy shifts could affect your homebuying or refinancing plans, don’t go it alone. Connect with the experts at ReadySetLoan.com — your go-to resource for demystifying the mortgage maze.



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