Will Rates Jump? The Future of Fannie & Freddie

Loan Officer Freedom

Carl White

Mortgagemarketinganimals, Business, Loanofficer, Getmoreloans, Freedom, Mortgage, Loanofficercoaching, Carlwhite, Education, How To

5 • 743 Ratings

🗓️ 1 September 2025

⏱️ 22 minutes

🔗️ Recording | iTunes | RSS

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Summary

Episode 578

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White.

In this episode, Carl sits down with Owen Lee to tackle one of the biggest questions facing our industry right now: what happens if Fannie Mae and Freddie Mac come out of conservatorship?

Owen breaks down the history of Fannie and Freddie, why they've remained under government control for nearly two decades, and the different paths being discussed to take them private again. You'll hear the real pros and cons of merging them into one entity versus keeping them separate, and why the rules around this shift matter more than most loan officers realize.

Carl and Owen explain in plain terms what this means for you. If it's handled well, business goes on as usual. If it's not, mortgage rates could climb 50 to 100 basis points almost overnight, changing the landscape for borrowers and loan officers alike.

You'll also hear why staying engaged in these industry conversations is critical, and how tools like the Mortgage Action Alliance can help us all be ready to act if needed. This one is about protecting our industry, our clients, and our future. Listen in and get the clarity you need on what's coming next.

Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Transcript

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0:00.0	So Mr. Owen Lee, how you doing, my man?
0:08.6	Fantastic.
0:10.6	I can't believe bummer's coming to an end, though.
0:13.7	That's a bit of a bummer.
0:15.1	Hey, so we're going to talk about the merging of Fannie Mae, Freddie Mac, or coming out a conservatorship, and what does that look like, some pros and cons, and what does that mean to me as a loan officer?
0:26.3	Before we get into that, so I got this really cool thing, man.
0:29.0	So every morning I have an AI bot that gives me, I ask it, give me two of the strangest things ever.
0:39.2	Like, give me two pieces of information of the weirdest thing ever.
0:44.0	And so let me tell you what two popped out today.
0:46.8	The two that popped out today, you know there's a jellyfish that can literally live in perpetuity.
0:54.8	So this jellyfish, it it grows old, it resets,
1:00.4	grows small back to almost a little amoeba again,
1:03.9	and then repeats the process.
1:05.3	So all of its cells are all new now.
1:07.6	And it, like, lives forever.
1:10.3	Isn't that weird?
1:10.7	Is it the Jesus jellyfish? Yeah. Yeah. Actually, they lives forever. Isn't that weird? It's like the Jesus jellyfish?
1:12.6	Yeah.
1:13.3	Yeah.
1:13.6	Actually, they call it.
1:14.5	I never heard about this.
1:16.2	They call it the immortal jellyfish.
	...

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