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Looks like the Fed is clamping down at the same time as Fannie and Freddie are loosening: http://www.realtytoday.com/articles/6746/20141018/federal-reserve-s-new-rules-affect-housing-market.htm
With any luck, we’ll also have both houses go GOP this year and make sure that Obama’s pet FHFA stooge won’t be able to do much more for the next two years!