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Enterprise Counterparties:Mortgage Insurers

February 16, 2018

Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmative obligation to facilitate the financing of affordable housing for low and moderate-income families. Pursuant to their charters, the Enterprises may purchase single-family residential mortgages with loan-to-value (LTV) ratios above 80%, provided that these mortgages are supported by one of several credit enhancements identified in their charters. A credit enhancement is a method or tool to reduce the risk of extending credit to a borrower; mortgage insurance is one such method.

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Energy & Biosciences Institute

The Energy Biosciences Institute -- the largest private-public partnership of its kind in the world -- was created to apply advanced knowledge of biology to the field of bioenergy research. Its mission is to help develop advanced biofuels that are green, sustainable, and created from non-food sources. EBI is a collaboration between four research partners: the University of California, Berkeley; the Lawrence Berkeley National Laboratory; the University of Illinois at Urbana-Champaign; and BP.

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Enterprise Counterparties:Mortgage Insurers