Edward J. Pinto is a resident fellow and the codirector of the Center on Housing Markets and Finance at the American Enterprise Institute (AEI). He is currently researching how to increase the supply of economical apartments for hourly wage earners, as well as examining the current house price boom that began in 2012. This continues his previous work on the role of federal housing policy in the 2008 mortgage and financial crisis.

Along with AEI Resident Scholar Stephen Oliner, Mr. Pinto created the Wealth Building Home Mortgage, a new approach to home finance designed to provide a more reliable and effective way of building wealth than is available under existing policies. This mortgage allows home buyers to maintain a buying power similar to a 30-year loan. It is aimed at a broad range of homebuyers, including low-income, minority, and first-time buyers.

Before joining AEI, Mr. Pinto was an executive vice president and chief credit officer for Fannie Mae until the late 1980s. Today, he is frequently interviewed on radio and television and often testifies before Congress. His writings have been published in trade publications and the popular press, including in the American Banker, The Hill, RealClearPolitics, and The Wall Street Journal. In addition, as the codirector of the Center on Housing Markets and Finance, he oversees the monthly publication of the AEI Housing Market Indicators, which has replaced AEI’s monthly Housing Risk Watch and AEI’s FHA Watch.

Mr. Pinto has a J.D. from Indiana University Maurer School of Law and a B.A. from the University of Illinois at Urbana-Champaign.


  • Housing finance industry: Consultant, 1989–present
  • Courtesy Settlement Services LLC: President and CEO, 1994–2018
  • ICBA (Independent Community Bankers of America) SmartLender LLC: President and CEO, 2004–10
  • Fannie Mae: Executive Vice President and Chief Credit Officer, 1987–89; Senior Vice President, Marketing and Product Management, 1985–87; Vice President, Negotiated Transactions, 1984–85
  • Mortgage Guaranty Insurance Corporation: Capital-Markets Program Manager, 1984; Senior Legal Counsel, 1982–83
  • Michigan State Housing Development Authority: General Counsel, 1977–82; Staff Attorney, 1974–77


J.D., Indiana University Maurer School of Law
B.A., University of Illinois at Urbana-Champaign