These topics can be adapted and refined to suit your specific research interests within the field of business management. It’s important to choose a topic that aligns with your expertise and research goals.
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Get Up to $13,000 Toward Your Home Purchase
The HOPER Hope for Homeownership (H4H) Program is an FHA-backed initiative to help today’s buyers overcome one of the biggest barriers to homeownership: upfront costs. By combining financial assistance with long-term energy savings, this program creates a powerful opportunity for both first-time buyers and experienced homebuyers.
What Is the HOPER H4H Program?
The HOPER (Home Ownership, Promotion, Education, and Research) program, administered by Attainable Housing Advocates (AHA), provides qualified homebuyers with financial incentives to reduce out-of-pocket costs when purchasing a home. In exchange, participants commit to incorporating energy-efficient improvements, specifically a solar panel system, into their property, with those costs rolled directly into the FHA loan.
Program Highlights
One of the biggest advantages of the H4H Program is the financial support it provides at closing. This incentive can significantly reduce the cash needed to close and improve overall affordability.
How You Can Use the Incentive
Unlike many programs with strict limitations, the HOPER H4H incentive offers flexibility.
Built-In Energy Efficiency
A key component of the H4H Program is its focus on sustainability. Participants agree to install a solar energy system, with the cost included directly in the FHA loan. This allows borrowers to finance the system over time rather than paying up front. In many cases, long-term energy savings can help offset the added cost while also increasing the home’s efficiency and value.
Our team will review your eligibility, structure your loan to maximize benefits, and guide you through the entire process from application to closing.
While real estate is often described as the best way to build wealth, it can also be one of the fastest ways to lose it. Making a good investment often comes down to location. Choose well and ride the equity wave to financial freedom. A poor choice, conversely, can leave you in a money pit.
Today’s investment decisions involve more than employment, crime, and future development. Insurance shocks, climate risk, and utility costs can erode net income and the potential for appreciation. Aggregating county-level data from researchers such as ATTOM and the First Street Foundation highlights counties where seemingly attractive investments may conceal significant risks.
According to ATTOM‘s analysis of 594 U.S. counties, particularly vulnerable counties are diverging from the usual boom and bust suspects. The analysis took into account four risk factors:
The riskiest market with a population over 1 million is Riverside County, California, with 2.4 million residents. It ranks 29th out of all the markets analyzed nationally. Here, buyers spend nearly 66% of their average local wage on homebuying costs. With a Q4 median home price of about $600,000, it’s almost twice the national median. Foreclosure filings were filed on one out of 811 properties, twice the national rate.
Nationally, a typical homeowner spends just under one-third of their yearly income on homebuying costs, and 1 out of every 1,274 homes is in the foreclosure process as of the fourth quarter of 2025. Around 65.7% of the 364 counties analyzed by ATTOM in its January 2026 Affordability report required more than one-third of a buyer’s salary to buy a home.
The takeaway here for investors is clear: If you can’t afford to invest in an expensive market with ease, don’t bother. Taking on debt and high leverage, despite appreciating home prices and prestige homes, will land you in a world of trouble. It’s just not worth it.
San Bernardino (fourth riskiest large county, 49th overall) is also unstable, with one in every 777 properties receiving foreclosure filings and buyers spending over 54% of their wages on home costs.
Other California counties in jeopardy include Fresno and Contra Costa, which have high unemployment rates.
Compared to West Coast counties, Philadelphia County is relatively affordable, but a shocking 8% of owners there are underwater on their mortgages, with a foreclosure rate triple the national average.
Philly is known as being an investor-heavy city. As of 2023, large corporate investors owned 8.8% of single-family rentals, and in specific distressed neighborhoods, investor-purchased homes accounted for 20% of sales, according to the Philadelphia Federal Reserve Bank. The heavy investor presence has squeezed out owner-occupants. The homeownership rate fell from 57.5% to 52.4% between 2005 and 2023.
It’s a classic red flag for investors. Would-be landlords from nearby New York and New Jersey flooded the city, lured by the prospect of cheap housing and decent rents, giving scant regard to employment or the large number of investor-owned properties, which destabilized the neighborhood’s character. When the labor-intensive travails of managing these properties—chasing up rents, evicting tenants, performing repairs—became too much and their cash flow projections went up in smoke, they let the properties fall into foreclosure, killing their own credit and further undermining the neighborhood.
Seven of the 10 counties with the highest underwater rates were in Louisiana, according to ATTOM’s Q2 2025 data, led by Rapides Parish, where 17.3% of the homes were owned far more than the property was worth. Other Southern bad performers were Dorchester County, South Carolina; Charlotte County, Florida; and Kaufman County, Texas.
Florida is sliding into “no-go” terrain for entirely different reasons: 16 of the 50 U.S. counties most at risk of falling home prices are located there, more than in any other state. Its riskiest markets are Charlotte County on the Gulf Coast and St. Lucie County.
Realtor.com senior economist Joel Berner, commenting on the findings, said, “Many Florida homeowners unknowingly bought at the peak of the market following the intense run-up in prices of 2021 and 2022 and are now in danger of seeing their home value decrease as the market continues to soften.”
ATTOM’s 2026 foreclosure report ranks the state among the top five for foreclosure rates (No. 1 is Indiana), with over 4,500 properties in foreclosure as of February, indicating significant market stress for investors. Unlike many other regions, much of Florida’s risk comes from increased insurance costs and climate events, both of which can drive up expenses and diminish investment returns or home values.
First Street Foundations’ 12th annual “Property Prices in Peril” report predicts that Florida and Texas will experience the largest property value declines in the country, mentioning Broward, Duval, Miami-Dade, Pasco, Hillsborough, Palm Beach, and other pricey enclaves as being particularly susceptible to climate-related price drops, as insurance costs are driven higher.
“The traditional drivers of real estate value—location, economy, and amenities—are being transformed by a new calculus that must account for long-term environmental vulnerability,” the First Street Foundation report stated.
As another key risk metric, investors must consider falling rents. Rising insurance costs and foreclosures, combined with lower employment in many areas, put pressure on rental incomes as landlords struggle to cover expenses. ATTOM’s 2026 Single-Family Rental Market report states that in more than half the tracked counties, rents for three-bedroom homes dropped between 2025 and 2026. When rents stagnate or decline while acquisition costs rise, net yields fall, and investors find it harder to maintain positive cash flow.
Additionally, high-cost coastal counties in Florida, California, Tennessee, and Virginia have seen their rental yields fall to 3% to 4%.
Cash flow analysis is less straightforward now. Comparing properties across counties requires weighing foreclosures, taxes, employment, wage growth, and insurance, since similar-looking properties can have very different outcomes.
One overriding theme that has emerged is that investing in the Midwest and Northeast, with nine of the 50 safest counties in Wisconsin and others in states such as Minnesota and Ohio, appears to be a safer proposition.
Add interest rates as another wild card to the proposition, and it’s possible to make an argument for investing in an area where cash flow is less on paper, based on cost and rental income, but other factors, such as foreclosure rates, employment, and climate, make for a more stable environment. If the purchase is facilitated in an all-cash scenario with an eye toward refinancing when rates drop, the long-term outlook could be better despite the lower short-term cash-on-cash return.
OpenAI says the world needs to rethink everything from the tax system to the length of the workday in order to prepare for the wrenching changes of superintelligence technology—the point at which AI systems are capable of outperforming the smartest humans.
On Monday, in a 13-page paper titled “Industrial Policy for the Intelligence Age,” OpenAI said it wanted to “kick-start” the conversation with a “slate of people-first policy ideas.” How much faith to put in OpenAI’s words and motives, however, seems to be one of the key questions among many of the people reading the paper. The paper was released on the same day that The New Yorker published the results of a lengthy one-and-a-half-year investigation into OpenAI that raised questions about CEO Sam Altman’s trustworthiness on various issues, including AI safety.
Written by the OpenAI global affairs team, the paper outlines many of the expected economic impacts of superintelligence and floats various approaches for addressing them. “We offer them not as a comprehensive or final set of recommendations, but as a starting point for discussion that we invite others to build on, refine, challenge, or choose among through the democratic process,” said the introductory blog post.
The self-described “slate of ideas” in the document—spanning everything from public wealth funds to shorter workweeks—may not do much to reassure a public increasingly nervous about and disenchanted with the pace and consequences of AI-driven change. And OpenAI, of course, is one of the least neutral parties in this ongoing discussion, which is the core tension of the document, said Lucia Velasco, a senior economist and AI policy leader at D.C.-based Inter-American Development Bank and former head of AI policy at the United Nations Office for Digital and Emerging Technologies.
“OpenAI is the most interested party in how this conversation turns out, and the proposals it advances shape an environment in which OpenAI operates with significant freedom under constraints it has largely helped define,” she said, adding that this wasn’t a reason to dismiss the document, but “it is a reason to ensure that the conversation it is trying to start does not end with the same company that started it.”
Still, she emphasized that OpenAI is correct in saying that governments are behind in advancing policy solutions. “Most are still treating AI as a technology problem when it’s actually a structural economic shift that needs proper industrial policy,” she said. “That‘s a useful contribution, and the document deserves to be taken seriously as an agenda-setting exercise, even if it’s a starting point.”
Soribel Feliz, an independent AI policy advisor who previously served as a senior AI and tech policy advisor for the U.S. Senate, agreed that OpenAI deserves credit for “putting this on paper.” The acknowledgment that both U.S. institutions and safety nets are falling behind AI development and deployment is correct, she said, “and the conversation needs to happen at this level at this moment.”
However, she emphasized that most of what is being proposed is not new: “Some of these pillars—‘share prosperity broadly, mitigate risks, democratize access’—have been the framework for every major AI governance conversation since ChatGPT came out in November 2022.
“I worked in the U.S. Senate in 2023–24, and we had nine AI policy fora sessions where all of this was said. I have it in my handwritten notes! All of this was already said, all of it,” she wrote to Fortune in a direct message. “The language around public-private partnerships, AI literacy, and worker voice reads like it came out of a Unesco or OECD AI policy framework report. The ideas are not wrong. The problem is the gap between naming the solutions and building real mechanisms to achieve them.”
Clearly, the target audience is not its hundreds of millions of weekly ChatGPT users. Instead, it is the Beltway policymakers who have been pushing for AI regulation (or kicking the can down the road) in various forms ever since ChatGPT was released in November 2022. In that sense, some said it represents an improvement over earlier efforts.
“I found this document to genuinely be a real improvement from previous documents that were even more floaty and high-level,” said Nathan Calvin, vice president of state affairs and general counsel of Encode AI. “I think some of the concrete suggestions around things like auditing or incident reporting and government restrictions on certain uses of AI are good ideas.”
But he also pointed to lobbying efforts led by OpenAI executives with the Leading the Future PAC, which lobbies for AI-industry-friendly policies. Global affairs head Chris Lehane is considered a force behind these efforts, while president Greg Brockman has been the biggest donor.
“I hope this document signals a move toward more constructive engagement, instead of attacking politicians pushing the very policies OpenAI is now endorsing,” said Calvin, pointing specifically to Leading the Future’s lobbying against New York congressional candidate Alex Bores, author and primary sponsor of the RAISE Act, the New York AI safety and transparency law recently signed by Gov. Kathy Hochul.
Calvin has also accused OpenAI of using intimidation tactics to undermine California’s SB 53, the California Transparency in Frontier Artificial Intelligence Act, while it was still being debated. He alleged as well that OpenAI used its ongoing legal battle with Elon Musk as a pretext to target and intimidate critics, including Encode, which the company implied was secretly funded by Musk.
Still, while OpenAI CEO Sam Altman compared Monday’s slate of policy ideas to the New Deal in an interview with Axios, some say it reads less like FDR-era legislation and more like a Silicon Valley thought experiment that won’t magically turn into action.
For example, Anton Leicht, a visiting scholar with the Carnegie Endowment’s technology and international affairs team, wrote on X that in reality, the ideas are fundamental societal changes and heavy political lifts. “They’re not just going to emerge as an organic alternative,” he wrote. “On that read, this is comms work to provide cover for regulatory nihilism.”
A better version of this, he said, would be to redirect the AI industry’s political funding and lobbying skills to make progress on this kind of policy agenda. However, he said that the “vague nature and timing” of the document “doesn’t make me too optimistic.”
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The Associated Press, one of the world’s oldest and most influential news organizations, said Monday it is offering buyouts to an unspecified number of its U.S.-based journalists as part of an acceleration away from the focus on newspapers and their print journalism that sustained the company since the mid-1800s.
The News Media Guild, the union that represents AP journalists, said more than 120 staff members received buyout offers on Monday.
The news organization is becoming more focused on visual journalism and developing new revenue sources, particularly through companies investing in artificial intelligence, to cope with the economic collapse of many legacy news outlets. Once the lion’s share of AP’s revenue, big newspaper companies now account for 10% of its income.
“We’re not a newspaper company and we haven’t been for quite some time,” Julie Pace, executive editor and senior vice president of the AP, said in an interview.
Despite changes – the company has doubled the number of video journalists it employs in the United States since 2022 – remnants of a staffing structure built largely to provide stories to newspapers and broadcasters in individual states have remained.
That has its roots well back in American history; the AP was started in the mid-19th century by New York newspapers looking to share the costs of reporting outside their immediate territory.
The number of AP journalists who will lose jobs is murky, in part intentionally. The AP does not say how many journalists it employs, though it has a large international presence as well as its U.S. staff. Pace said the AP’s goal is to reduce its global staff by less than 5%.
Since buyouts are being offered now to only U.S. journalists, it stands to reason that the cut among that workforce will be more than 5%. Whether there are layoffs depends on how many people take the offer, Pace said.
“The AP employs hundreds of talented journalists who are willing and able to adjust to the changing media landscape,” the union said in a statement. “However, the company refuses to offer them appropriate training and tools. Instead, AP continues to get rid of experienced staff and flirt with artificial intelligence — ignoring the opportunity to differentiate AP news stories as ones that are and always will be created by human journalists.”
The union said AP ignored a request last week to bargain over artificial intelligence. The news outlet had no immediate comment on that claim, or the union’s estimate of how many people were offered buyouts. It’s not clear whether the buyout offers were concluded by Monday afternoon.
Over the past four years, the AP’s revenue from newspapers has declined by 25%. Gannett and McClatchy, two of the largest traditional newspaper publishers, dropped AP in 2024.
In recent days, the company learned that Lee Enterprises — publishers of newspapers like The Buffalo News, the St. Louis Post-Dispatch and the Richmond Times-Dispatch — is seeking an early exit from a contract due to expire at the end of 2026.
Pace said the buyout plan was in the works before learning about Lee Enterprises. “We made a decision earlier this year that we needed to be bolder in this transformation,” she said.
Besides the transition to more video capabilities, the AP is deploying rapid-response teams where staff members, no matter their geographic base, contribute to the day’s big stories, she said. The AP is putting more journalists on beats to break news on topics of known customer interest. But it is committed to maintaining a presence in all 50 states.
“The AP is not in trouble,” Pace said. “We’re making these changes from a position of strength but we’re doing so now to recognize our changing customer base.”
Those customers now are dominated by broadcast, digital and technology companies, an illustration of where people are getting news. The AP has seen 200% growth in revenue from technology companies over the last four years, said Kristin Heitmann, senior vice president and chief revenue officer.
The AP was among the first news outlets to make a deal with an AI company, agreeing in 2023 to lease part of its text archive to OpenAI as it built out its capabilities. The AP launched on Snowflake Marketplace last year to license data directly to enterprises building their own system. It has launched AP Intelligence, a division designed to sell data to financial and advertising sectors, for example.
Google contracted with AP last year to deliver news through the Gemini chatbot, the tech giant’s first deal with a news publisher.
“If you can think of a large technology company,” Heitmann said, “they are a customer of ours.”
Last month, the AP agreed to sell U.S. elections data to Kalshi, the world’s largest predictions market.
AP’s long tradition in counting and analyzing elections data is another growth area; the company saw a 30% increase in customers between the 2020 and 2024 cycles. It got an additional boost last year when ABC, CBS, NBC and CNN signed on to the service.
The company, traditionally a wholesaler of news to other companies, has also seen growing interest in its direct-to-consumer product, apnews.com, which provides revenue through advertising and donations.
The new business frontiers do not indicate a weakening in the AP’s standards of providing fast, accurate, non-biased news, leaders said. “It anything, it makes it more important that we retain these values as we make the transition,” Pace said.
The AP is trying new forms of fact-checking, including use of video, and more often putting its journalists in public to explain how they got particular stories, she said.
“I think that authenticity, and the fact that you can associate a real person who is often quite experienced and quite deep on their beats … it builds more credibility,” she said. “We’re really trying to embrace that because I do think it’s vital when there is so much misinformation out there.”
Are the good days behind us? Are you too old? Let’s tackle everything head on and answer those very questions.
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00:00 – Too late
00:32 – I missed the good days
01:53 – Two versions of you
03:44 – Sequencing of returns risk
04:52 – Am I too old?
08:13 – How I invest
10:15 – Longevity
10:55 – Will the market keep going up?
12:16 – Protection
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Japan February household spending falls 1.8% year-on-year
High-yield savings account rates have basically held steady through the first quarter of 2026.
As of April 6, 2026, leading online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited. This is still much better than the average of 0.39% APY, according to the FDIC.
Banks and credit unions are constantly adjusting their annual percentage yields (APYs) as markets react to Federal Reserve policy and inflation data, so staying up to date can make a real difference. Here’s where the best savings rates stand today — and what you should know before moving your money.
Here are the best bank and credit union savings accounts rates today:
|
Bank or Credit Union |
Top APY |
Balance Requirement |
|---|---|---|
|
Varo |
5.00% |
On the first $5,000 |
|
Consumers Credit Union |
5.00% |
On the first $10,000 |
|
Pibank |
4.60% |
$0
|
|
Axos Bank |
4.21% |
$0 |
|
CIT Bank |
4.10% |
$2,500 |
1. Varo – Varo is a bank that offers up to 5.00% APY on the first $5,000 with qualifying direct deposits. Read our full Varo review.
2. Consumers Credit Union – CCU offers up to 5.00% APY on your checking account for the first $10,000. The requirements to earn are tiered. Read our full Consumers Credit Union Review.
3. PiBank – PiBank is the online brand of Intercredit Bank, N.A and offers 4.60% APY with no monthly maintenance fees and no minimum balance requirements. Read our full Pibank review.
4. Axos Bank – Axos ONE Savings offers a boosted rate of 4.21% when you receive qualifying monthly direct deposits totaling at least $1,500 and maintain an average daily balance of $1,500 in your Axos ONE® Checking account. Read our full Axos Bank review.
5. CIT Bank – CIT Platinum Savings a two-tiered savings account.
Open an account with promo code CITBoost and you’ll earn 4.10% APY* on balances of $5,000 or more for the first six months* — that’s 10x the national average savings rate.
After 6 months, you’ll return to the regular rate of 3.75% APY* with a $5,000 minimum balance. Otherwise you’ll earn 0.25% APY. See website for full details. Read our full CIT Bank review.
You can find a full list of the best high yield savings accounts here >>
High-yield savings accounts function just like traditional savings accounts, but they pay a much higher annual percentage yield (APY) — often 10 to 15 times more. You can see how these rates compare to the savings rates at the 10 largest banks in America – and these rates put them to shame.
“While interest rates have been holding steady, we are seeing more banks offer promotional offers or bonus rates to entice customers to switch. – Robert Farrington
The banks and credit unions on this list typically always have above-average rates, so even if the Federal Reserve lowers rates and these accounts lower their rates, you’ll still be head.
For example, a $10,000 balance earning 4.00% APY will generate about $400 in interest per year, compared with less than $20 at a big-bank rate of 0.20%. That gap makes it worth tracking rate changes regularly and switching institutions if your current bank stops staying competitive.
However, we expect more rates to dip below that 4.00% level in the coming weeks.
Before opening a new account, review the key details that determine how much you’ll earn — and how easily you can access your funds.
These details help you separate truly high-performing savings options from accounts that look appealing but may include hidden limitations or slower rate adjustments.
At The College Investor, our goal is to help you make smart, confident decisions about your money. To create this list, our editorial team reviews savings account rates daily across more than 50 banks, credit unions, and fintechs. We verify data using each institution’s official website, rate disclosures, and regulatory filings.
Only accounts available to U.S. consumers and insured by the FDIC or NCUA are included.
Our coverage is independent and editorially driven – we never rank accounts based on compensation. While we may earn a referral fee when you open an account through certain links, this does not influence our recommendations or reviews. Our opinions are our own, based on a consistent evaluation of usability, fees, yields, and customer experience.
How often do savings account rates change?
Banks can adjust rates daily or weekly based on market conditions.
Are online banks safe?
Yes — as long as they’re FDIC-insured. Verify coverage on the FDIC’s BankFind site.
Is interest on savings accounts taxable?
Yes. You’ll receive a 1099-INT if you earn $10 or more in interest.
Should I move my money if rates drop?
It depends on the difference in APY and your transfer limits, and frequent rate chasing can reduce returns if transfers take time.
CIT Bank
For complete list of account details and fees, see our Personal Account disclosures.
* Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on February 13, 2026, and ends April 13, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
Editor: Colin Graves
Reviewed by: Richelle Hawley
The post Best High-Yield Savings Rates for April 6, 2026: Up to 5% appeared first on The College Investor.
Freddie Mac and Fannie Mae have respectively released a mix of new flexibilities and requirements for single-family mortgages they purchase as April has gotten underway.
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Fannie is pulling back on some
The U.S. government currently holds Freddie and Fannie in conservatorship and their policies play a large role in shaping the country’s housing market because they buy a significant number of mortgages made in the United States.
Fannie accounted for about $3.5 trillion outstanding U.S. mortgage-backed securities at the end of January, a government analysis of Recursion Co. data shows. Freddie accounted for nearly $3.06 trillion in outstanding MBS at that time, according to the data that Ginnie Mae analyzed.
Select highlights from the two government-sponsored enterprises’ recent guideline changes follow:
Fannie has removed a fixed 10% minimum sampling requirement for prefunding or preacquisition loan-quality checks, which can be adopted immediately and becomes mandatory July 1.
The government-sponsored enterprise said in
Mortgage companies that work with Fannie must meet certain requirements if they use their own sampling methods.
“Fannie Mae may require adjustments or impose minimum sampling requirements if the lender’s approach does not provide adequate representation or effectively identify risk,” the enterprise warned in its update.
The GSE also removed reverification requirements for discretionary quality-control reviews, situations where information is “not confirmable” or where automated data from approved vendors is “duplicative.”
In addition, the enterprise has limited QC tax transcript requirements to loans where this information was used for qualification.
The GSE also clarified existing policy with more specifics, noting that any junior lien paid down or off through a no-cashout manufactured-housing loan refinance must have been used to acquire the property.
In addition, Freddie
Both government-sponsored enterprises
“While adoption of UCD v2.0 continues to progress, the GSEs recognize there may be competing priorities, such as the upcoming Nov. 2, 2026,
New mandates for the initiative aimed at improving closing data quality are on track to be set in the fourth quarter of this year.
Also,
Tighter condo lending standards like these have been offset by broader single-family flexibility in insurance requirements, which the mortgage industry and insurers have long sought.
Fannie and Freddie have both been accepting actual cash value policies for roofs on homes collateralizing single-family loans since they announced the change in conjunction with their oversight agency on March 18.
Allowing an exception to full-replacement cost requirements had become more pressing as a growing number of insurers have been unwilling to offer coverage meeting that standard and forcing homeowners to switch to ACV in jurisdictions where there aren’t rules prohibiting this.
Replacement cost policies must cover the current expense for repairs while ACV allows for depreciation. Fannie, Freddie and their oversight agency still require that borrowers obtain replacement cost coverage on all parts of a home except the roof.
