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Have We Seen The Last Frannie Net Worth Sweep? – . the two government agencies that oversee the government’s arrangement with the GSEs and are in a position to allow the companies to retain and raise capital. fannie mae (otcqb:fnma) and.hecm loans pros and cons Reverse Mortgage Pros and Cons for Homeowners | AAG – What are the Reverse Mortgage Loan Pros and Cons?. Since a HECM reverse mortgage is a non-recourse loan and it is secured by placing a lien on your home, you are protected from having any of your other assets taken as repayment for the loan.