The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

hat Happens If Fannie and Freddie Go Private?” with two stylized house icons, a padlock, a bar chart, and a dollar sign, symbolizing housing market uncertainty and financial impact

What Happens If Fannie and Freddie Go Private?

By Scott Sheldon / May 22, 2025

What Happens If Fannie Mae and Freddie Mac Go Private? The housing market as we know it is built on a critical but often overlooked foundation: Fannie Mae and Freddie Mac. These two government-sponsored enterprises (GSEs) have been in federal conservatorship since 2008, following the financial crisis, and they remain under the oversight of the…

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Scott Sheldon's The Mortgage FIles Blog

What The Election Means For Mortgage Rates

By Scott Sheldon / October 21, 2012

Two questions on every mortgage applicants’ mind  “where are mortgage rates? Does it make sense to wait till after the presidential election to complete my purchase or refinance? Let’s be clear about one underlining theme.. Its how the election’s results will be perceived by the markets that could cause mortgage rates to move Let’s explore…

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