The Federal Housing Finance Agency (FHFA) found that the average total guaranty fee charged by Fannie Mae and Freddie Mac on single-family mortgages decreased to 22 basis points in 2009 from 25 basis points in 2008.  

The agency’s second annual report on GSE guaranty fees stated that the decline in the total guaranty fees charged by each enterprise in 2009  resulted from a substantial improvement in the credit profile of the single-family mortgages that these agencies  acquired relative to 2008.

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