FHA

Lawmakers from both political parties are increasingly interested in forcing lenders that offer loans to upgrade home heating and cooling systems to issue better disclosures, a prospect that has some in the industry nervous.

Speaking at a town hall event in Washington, D.C., JPMorgan Chase CEO Jamie Dimon said that post-crisis regulations have made mortgages too costly for consumers — and made homeownership unattainable for borrowers with low incomes or blemished credit histories.

Rising interest rates have slowed a recent run of unexpectedly high prepayments of government-insured mortgages, making servicing rights for loans held in Ginnie Mae securities more attractive to investors.

Housing and Urban Development Secretary-designate Ben Carson is open to finding alternatives to the 30-year fixed-rate mortgage, but believes there must be some government backstop to the housing market.