Fannie/Freddie is a GSE. They and the fed are part of the Government cabal. The private sector is virtually dead in America. Multinational Corporations are in bed with a corrupt Government and they want to own and control everything in this country. The world is being run and controlled by an elite secret society and that includes our own Government. America is being held hostage by and elite group of financial terrorists who do not want the American people to own even a slice of the pie and clearly want to bankrupt America. These secret societies have corrupted and infiltrated everything. They have strategically killed competition in America with their giant octopus like conglomerates with tentacles that are far reaching.. National Sovereignty because of the free will of the people will ultimately prevail. The mortgage industry is a dead fraudulent business model and there is no fixing fraud. The Government needs to keep its dirty little fingers out of housing they are a proven failure. The entire country is so corrupt that the Imperialist, Dictatorship Oligarchy will collapse under its own weight. The American people will not be debt slaves to the elite criminal enterprise.