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2 In this historical election season, we are seeing a media frenzy over the neck-to-neck battle for the presidency between two polar opposite candidates. In the month leading up to the polls, it is easy to get caught up in the division that is so clearly seen throughout the nation. But in a multi-trillion-dollar industry with over 300,000 employees it is important to keep in mind that we must work together despite our differences to unite in the common goal of providing the dream of homeownership to consumers nation-wide. In our cover story, we discuss the competing visions for housing policy between Hillary Clinton and Donald Trump. What will a new administration mean to the housing and mortgage industry? Read more to find out. Kendall Baer also gives us a look at the eight-year conservatorship between the GSEs and the FHFA. Do the goals at the start of this union look the same today, and what will it take to spark GSE reformation among those in congress? Read on to discover this and more. ese stories along with others tell the tale of our industry as it currently stands. Continued knowledge and understanding of the housing market is the best tool to keep us informed and united as we work to better the future of the mortgage and housing industries, no matter what the election results may bring. We want you to make your voice heard as well. Is there something going on in the market that you would like to see covered? Have an idea for a new type of feature? We're all ears, so drop us a line and let us know how we're doing. Send an email to editor@ dsnews.com or follow us on Twitter @DSNewsDaily and join in on the conversation. Derek Templeton Editor, DS News FROM OUR DESK default servicing | in print and online VOL. 14 NO. 10 No part of this publication may be reproduced without written permission from the publisher. ©2015 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. does not guarantee the accuracy of the information, and is not liable for any damages, losses, or other detriment that may result from the use of these materials. PUBLISHER EDITOR DESIGN DSNEWS.COM VIDEO EDITOR STAFF WRITERS COPY EDITORS ADVERTISING Mark Hulme Derek Templeton Jonathon Won Jordan Funderburk Krista Franks Brock, Brian Honea, Scott Morgan, Kendall Baer Alison Rich, Shalene Roberts Robyn Clayton: 214.525.6716 Kevin McCrea: 214.525.6756 Jason Myers: 214.525.6760 Suzanne Andresen: 207.443.3314 Veronica Guerrero: 214.525.6784 f o r m e rl y m a g a z i n e Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER CHIEF FINANCIAL OFFICER DIRECTOR OF ACCOUNTING DESIGN Mark Hulme Ed Delgado John Harrison Ernest Gillespie Sean Walker Jason Stone Jonathon Won "I can do things you cannot, you can do things I cannot; together we can do great things." – Mother Teresa