David Stevens

Policymakers are all too quick to categorize IMBs as financially risky institutions; making them easy targets for stricter - and unnecessary - federal oversight and regulatory efforts, Stevens and Olson argue.

Should the Federal Reserve step back into the market and restart their loan purchase activity?

Down payment assistance programs remain an important tool for increasing minority homeownership, but especially more so because of the pandemic.

Proponents of "recap and release" misread the political risks and the depth of interest that key lawmakers have in determining the long-term future of Fannie Mae and Freddie Mac.

The Federal Home Loan Bank system is not a private country club and shouldn't be operating as one. Captive insurance companies represent new potential to expand homeownership opportunities for credit-worthy borrowers.

The Federal Housing Finance Agency wants to exclude mortgage REITs from membership in the Federal Home Loan Banks. That would be a major setback for the entry-level borrowers who depend on mortgage REITs for sustainable home-financing options.