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CFPB Issues Final Rule on Residential PACE Lending

January 2, 2025
Shannon Clark
Starting in March 2026, residential mortgage protections will apply to Property Assessed Clean Energy loans. Mortgage industry groups and consumer advocates applauded the move.
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MBA Calls for Clarification of FHA Rental Income Proposal

December 27, 2024
Monica Hogan
The MBA supports the new FHA proposal but wants more information on whether lenders need to keep additional reserves on hand.
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Investor Demand Could Drive HEL Originations in 2025

December 27, 2024
James Dohnert
KBRA forecasts that non-agency securitizations of HELOCs and CES loans will increase next year.
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ARM Originations See Slight Rise in 3Q

December 26, 2024
James Dohnert
An estimated $60.00 billion of ARMs were originated in the third quarter, a 1.7% increase from the previous three-month period.
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MBA Calls on Ginnie to Launch EBO Securitization Program

December 26, 2024
James Dohnert
The MBA noted that buyouts are capital intensive and can create liquidity stress for nonbanks, which don’t have large balance sheets to hold nonperforming loans for an extended period.
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FHFA Releases 2025 Scorecard, Wants More Help for FTHBs

December 23, 2024
Dennis Hollier
The new scorecard highlights modest changes in the regulator's priorities for the GSEs.
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HUD Agenda Includes Proposal to Lift FHA Re-Sale Time Restrictions

December 20, 2024
Monica Hogan
HUD said its current rule adversely impacts the availability of affordable homes for sale.
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ICE Warns of Performance Risk from Recent VA Refis

December 20, 2024
Monica Hogan
More than a third of this year’s VA rate-and-term refinances were originated with loan-to-value ratios above 100%, according to ICE.
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Industry Opposes HUD Notices on Convenience Fees

December 20, 2024
Monica Hogan
Mortgage lenders are pushing back on enforcement actions against servicer convenience fees for optional expedited payment services.
Read More

FHA Proposes Early T&I Reimbursement for Loans in Default

December 20, 2024
Monica Hogan
The proposal is meant to address liquidity challenges servicers face from tax and insurance advances in an elevated interest rate environment.
Read More
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