In this video, I’m breaking down what’s changing with Fannie Mae and Freddie Mac—and why it matters if you’re buying or selling a home in Los Angeles. We’ve had so many shifts this year with the new administration, investigations into spending, and big cuts, and federal lending organizations like Fannie Mae, Freddie Mac, and FHA don’t operate in a vacuum. When the rules and enforcement priorities change, lending guidelines and the way loans get evaluated can change right alongside them. I specifically talk about how Fannie Mae and Freddie Mac are the first to be impacted by changes tied to the Equal Credit Opportunity Act (ECOA), which was signed into law on October 28, 1974. The big takeaway is simple: if you’re planning to finance a home purchase, you need to understand whether these changes could impact your approval, your documentation requirements, or the overall lending process. I also bring in my trusted lender, Natalie Salins at Movement Mortgage, because I want you to get straight-talk guidance and real numbers for your specific scenario—especially if you’re trying to make decisions in a fast-moving LA market.