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Thursday, September 24, 2026
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HomeHipotecasFannie Mae y Freddie Mac: ¿Cómo funcionan?

Fannie Mae y Freddie Mac: ¿Cómo funcionan?

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Westend61/Gettyimages; Ilustración de Hunter Newton/Bankrate

Control de presa

  • Fannie Mae y Freddie Mac son empresas patrocinadas por el gobierno que tienen como objetivo proporcionar al mercado hipotecario estabilidad y asequibilidad.

  • Son los principales actores en el mercado hipotecario secundario, compran préstamos a los prestamistas y los mantienen o los reempaquetan como títulos respaldados por hipotecas.

  • Fannie Mae y Freddie Mac fueron creados por el Congreso, pero tienen propósitos diferentes y métodos de consecución de préstamos.

A medida que explora sus opciones de hipoteca, es probable que encuentre dos nombres: Fannie Mae y Freddie Mac. Aunque no obtendrá directamente un préstamo hipotecario a través de estas empresas patrocinadas por el gobierno (GSE), entidades privadas que operan bajo una carta del Congreso, no obstante tienen un impacto en obtener una hipoteca y sus términos. Echemos un vistazo más de cerca a estos actores esencia en la industria hipotecaria y lo que los distingue.

¿Qué son Fannie Mae y Freddie Mac?

Fannie Mae y Freddie Mac son empresas patrocinadas por el gobierno. El Congreso creó tanto con el objetivo de ampliar estabilidad y asequibilidad al mercado hipotecario del país. Todavía proporcionan a los bancos y a las compañías hipotecarias entrada a fondos en términos razonables, agregando solvencia al mercado hipotecario.

Ambas agencias son los principales actores en el mercado hipotecario secundario. Es afirmar, su enfoque es comprar préstamos a los prestamistas hipotecarios, dando a esas instituciones más caudal para continuar ofreciendo financiamiento a otros prestatarios. Fannie Mae y Freddie Mac luego los mantienen o, con viejo frecuencia, vuelvas a empaquetarlos como títulos respaldados por hipotecas Eso se puede entregar a los inversores.

Al hacer como fabricante de mercado, es afirmar, comprador constante, aseguran solvencia en el mundo de los préstamos. A partir de 2025, Fannie Mae y Freddie Mac soportan cerca de 70 por ciento del mercado hipotecario, según la Asociación Doméstico de Agentes Inmobiliarios. Eso significa que la mayoría de los préstamos convencionales, los ofrecidos por prestamistas privados, terminan respaldados o comprados por una de las dos entidades.

Aunque establecen criterios para préstamos, ni Fannie Mae ni Freddie Mac se originan o proporcionan directamente hipotecas a los compradores de vivienda. En cambio, obtendrá su préstamo de un prestamista hipotecariocomo un tira, una cooperativa de crédito o un prestamista en itinerario, que luego puede nominar entregar el préstamo a uno de estos GSE, suponiendo que el préstamo sea elegible.

Fannie Mae y Freddie Mac Historia

En 1938, el gobierno creó Fannie Mae, o la Asociación Doméstico de Hipotecas Federales, en medio de las luchas de la Gran Depresión. El objetivo de Fannie Mae Fue crear una fuente más confiable de fondos para los bancos, abriendo puertas para que más estadounidenses se conviertan en propietarios de viviendas, en sentido figurado y fielmente.

Freddie Mac, iniciales de la Corporación Federal de Hipotecas de Préstamos para Homenajes, llegó a la secuencia a través de una Ley del Congreso en 1970, con un propósito similar de certificar que haya fondos hipotecarios confiables y asequibles disponibles en todo el país.

Desde 2008, Fannie Mae y Freddie Mac han estado bajo la conservación de la Agencia Federal de Finanzas de Vivienda (FHFA), aunque siguen siendo entidades separadas con sus propios accionistas y liderazgo.

Tanto Fannie Mae como Freddie Mac jugaron un papel en la crisis financiera al respaldar hipotecas de parada aventuray cuando estalló la burbuja inmobiliaria, enfrentaron grandes pérdidas y requirieron rescates gubernamentales. Posteriormente de contraer más deudas, fueron colocados bajo la consultora de FHFA para evitar la insolvencia, y desde entonces han pagado la mayoría de los fondos de rescate.

Durante la pandemia Covid-19, los dos GSE proporcionaron reparto de la hipotecaincluido pacienciamodificaciones de préstamos y una moratoria de ejecución de ejecución y ejecución hipotecaria.

Diferencias entre Fannie Mae y Freddie Mac

Si aceptablemente pueden parecer increíblemente similares, Fannie Mae y Freddie Mac tienen algunas diferencias esencia. Aquí hay una vistazo más cercana a lo que diferencia a Freddie Mac de Fannie Mae.

Diferencias Fannie Mae Freddie Mac

Propósito previsto

Establecido para crear una fuente más confiable de fondos accesibles para bancos y compañías hipotecarias. Esto dio como resultado hipotecas más accesibles y asequibles para los candidatos a los propietarios.

Creado por el Congreso para expandir el mercado hipotecario secundario, comprando préstamos que cumplen con sus estándares de los prestamistas. Esto permite a los prestamistas poner más préstamos a disposición de los candidatos compradores.

Depósito de préstamos

Tiende a comprar préstamos de bancos comerciales y prestamistas hipotecarios más grandes

A menudo transacción préstamos de bancos más pequeños

Requisitos de préstamo

Los programas de suscripción con destino a debajo requieren un puntaje de crédito pequeño de 620. Se requiere un suscripción original pequeño del 3 por ciento al 5 por ciento, según el software de préstamos.

Los programas de suscripción bajo requieren un puntaje de crédito pequeño de 660 a 680, dependiendo del software. Se requiere un suscripción original de 3 por ciento pequeño a 5 por ciento, según el software de préstamos.

Software de préstamo esencia

Castaña

Casa posible

Similitudes entre Fannie Mae y Freddie Mac

Ahora que hemos cubierto sus diferencias, tocemos cómo Fannie Mae y Freddie Mac son similares.

Similitudes Descripción

Creación y estructura

Creado por el Congreso en 1938 (Fannie Mae) y 1970 (Freddie Mac) para enfrentarse los problemas en el mercado inmobiliario. Existen hoy como corporaciones que cotizan en bolsa bajo la conservación del gobierno.

Adquisición de préstamos y reempaquetamiento

Adquisición préstamos de los prestamistas y los convierte en títulos respaldados por hipotecas, lo que reduce el aventura para los prestamistas y ayuda a dominar las tasas de interés para los prestatarios creando estabilidad en el mercado hipotecario.

Aumentar la disponibilidad de préstamos

Adquisición préstamos de prestamistas, lo que aumenta la cantidad de billete que los prestamistas pueden prestar; Los prestamistas pueden retornar a prestar ese billete una vez que cierran un préstamo y venderlo a la GSE.

Estandarizar préstamos

Solo compre préstamos que cumplan con los estándares de FHFA, incluidos los límites de préstamos y los requisitos financieros del prestatario, que los prestamistas siguen para venderles hipotecas.

¿Quién regula a Fannie Mae y Freddie Mac?

Fannie Mae y Freddie Mac están regulados por dos agencias gubernamentales: el FHFA y el Área de Vivienda y Progreso Urbano de los Estados Unidos (HUD). Adyacente con la supervisión de HUD y FHFA, el presidente de los Estados Unidos nombra a cinco de los 18 miembros de la trabazón en cada entidad. Se presentan más detalles de la regulación de Fannie Mae y Freddie Mac en dos actos gubernamentales: el Ley de Carta de la Asociación de Hipotecas Federales Nation y el Ley Federal de Corporación de la Corporación de Mortimacos de Préstamos para el Homenaje.

Lo que esto significa para ti

Poliedro que no puede sacar una hipoteca directamente de Fannie Mae o Freddie Mac, ¿por qué debería preocuparse por estos grandes nombres en el mercado hipotecario? Adicionalmente de perdurar el mercado hipotecario tarareando y hacer que la propiedad de vivienda sea más accesible en universal, así es como pueden afectarlo:

  • Crean opciones de financiamiento más asequibles, incluida Programas de préstamos de suscripción inferior con destino a debajo.
  • Fomentan la competencia entre los prestamistas, lo que lleva a más bajo tarifa.
  • Ayudan a establecer estándares de préstamo, influyendo en las calificaciones que necesita cumplir para obtener una hipoteca.

Para examinar si tiene un préstamo respaldado por Fannie Mae o Freddie MAC:

Preguntas frecuentes

See also  Ejecución hipotecaria: cómo funciona y cómo evitar

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