Yes they do, I agree with you ! Freddie even said they had funds set aside for a possible ligation lose mid year last year!
Even though the NWS has stopped on paper the PSA is increasing for FREE! The Governments work around is for the FHFA to charge Fannie and Freddie a higher fee in 2024 to pay for there pet projects!
What’s stopping the FHFA and any administration from increasing it to any amount they want? That’s the NWS in the real world. Status Quo keep it as is and we will bleed them dry!!
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