The slow recovery in the Mortgage Backed Securities markets since the beginning of the financial crisis in 2008 and continuing into 2011 has caused most mortgages to be directly or indirectly guaranteed by:

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The slow recovery in the Mortgage Backed Securities (MBS) market led to most mortgages being guaranteed by the U.S. government either directly or indirectly, through entities such as Fannie Mae and Freddie Mac. The Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) also offer mortgage guarantees, but they account for a smaller percentage of the market compared to the U.S. government. The Federal Reserve Bank does not guarantee mortgages as its primary role is to regulate monetary policy and stabilize the economy.

The Slow Recovery in the Mortgage Backed Securities Markets Since