The Federal Housing Finance Agency has set lending caps of $88 billion each for Fannie Mae and Freddie Mac in 2026, allowing them to purchase up to $176 billion in multifamily loans. Industry experts predict the agencies will hit their caps this year. Workforce housing loans will be excluded from the limits, and at least 50% of the enterprises’ multifamily businesses must be focused on affordable housing. FHFA will monitor the market and can raise caps if needed. Experts believe the decision will increase capital availability and lead to higher lending activity in 2026, especially for refinancing maturing debt.

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