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Housing and Lending in 2025: Big Changes Ahead
The Treasury and FHFA are ending Fannie Mae and Freddie Mac’s conservatorship, potentially raising rates on 30-year fixed loans. In California, new insurance mandates are forcing private insurers to cover high-risk areas, driving premiums up and leaving gaps in coverage.
Regulations like AB 2216 (allowing pets in rentals) and AB 2747 (optional rent payment credit reporting) add complexity for landlords. Meanwhile, accessory dwelling units (ADUs) raise concerns about infrastructure strain.
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