The Department of Veterans Affairs reminded lenders of a circular, which was delayed during the partial government shutdown, that sought to clarify how VA lenders should use energy efficiency ratings in the underwriting process.

Ginnie expands Platinum pool aggregation; KBW expects FHA growth; HUD seeks to loosen Fair Housing Act regulations.

The capital ratio of FHA’s Mutual Mortgage Insurance Fund in the 2025 fiscal year was 11.47%, unchanged from 2024.

Early effects from FHA’s revisions to its loss-mitigation practices have begun to show up in data, although it will still take time for the longer-term impacts to play out.

Proposed legislation to advertise the benefits of VA-backed loans would add costs for lenders without providing substantial benefits to borrowers, said the Mortgage Bankers Association.

FHA waived new language that complicated how partial payments on delinquent mortgages would affect the legal deadline for servicers to proceed with foreclosure.

The House Financial Services Committee voted 50-1 to report out the Housing for the 21st Century Act with amendments.

The Senate confirmed Frank Cassidy and Joe Gormley to lead FHA and Ginnie Mae, respectively.

FHA replaces MCM contractor; VA transitions handbooks to new site; FHA updates Appraiser Roster Management policies.

November issuance of Ginnie Mae single-family mortgage-backed securities increased as lower interest rates continued to drive refinance activity. (Includes two data tables.)