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owning a home has long been a staple of the american dream and at the center of that are two big companies fannie mae and freddie mac sound familiar maybe you haven't thought that much about them since the 2008 financial crisis the federal government is stepping into it to stabilize fannie mae and freddie mac the two companies almost collapsed under the weight of an unprecedented housing bust but then the government stepped in to bail them out now the trump administration has asked for plans to reshape fannie and freddie but a housing finance overhaul could mean privatizing or shrinking the two companies a process that some believe could mean mortgages will become more expensive and less affordable for millions of americans that includes the most popular home loan in the u.s the 30-year fixed-rate mortgage homeowners like this mortgage because of the low monthly payments and the interest rate that doesn't fluctuate we'll explain but first you have to understand how fannie and freddie f

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