Fannie Mae Opportunities
Rarely any business in America is willing to take such risks of mortgaging houses and providing loans to people. Thus Fannie Mae has a big advantage that it alone stands on the platforms with few competitors. One opportunity can be that it can undergo integration with the Freddie Mac Company, which is a staunch competitor of Fannie Mae in the same business. This may create a monopoly and benefit them and other shareholders with economies of scale, and will result in the creation of an efficient management with zonal divisions.
Since Fannie Mae has a governmental backup, it can use government help to establish their inspection offices at different locations within America to monitor those zones, so that none of the debtors goes off without paying the mortgage amount and this will result in less losses and more income.
Fannie Mae Threats
An economic downturn and recession has led the American finance into a very fragile position. Thereby, the Fannie Mae Company has lost a lot of investment. The threat can be serious if the economic recession causes a decline in the aggregate demand for Mortgage housing (Kerrie Panchuk, 2011-09-11)
Further more, Fannie Mae has decided to punish the debtors who fly away without paying the required amount for debt settlement. This has grown an over all fear in the mortgage owners and in future criticism may lead the company into a bad position. [linkunit]
On an overall glance, the company is providing excellent services to the people who require mortgages in America and has supreme backing by the government. It is a company which dared to take such risk and proceed with it. It has bright future plans, and if implemented in the right way, may be able to prosper in future.