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Home » Topics » Inside Mortgage Finance » Government-Insured Lending

Government-Insured Lending
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Insurance, Property Taxes Driving Rise in Delinquencies

August 14, 2025
James Dohnert
Industry executives believe artificial intelligence can improve risk management and help reduce insurance premiums and property taxes.
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Grapevine: Trigger Leads Bill Approved; FHA Nomination

August 7, 2025
Brandon Ivey
The bill is now headed to President Trump’s desk; Frank Cassidy nominated for FHA commissioner.
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Democrats Seek to Reform Appraisal Process

July 24, 2025
Dennis Hollier
A new bill seeks to require FHFA to create a public database of information on all mortgage appraisals. The proposal comes as the Trump administration disbanded the Biden-era task force created to address appraisal bias.
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HUD, USDA Revisit Energy Standards

July 10, 2025
Emmeline Willey
The agencies are seeking feedback as they reconsider updated energy codes imposed on new residential construction.
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MBA Suggests Single Credit Report Model for GSE Loans

June 20, 2025
Dennis Hollier
The Mortgage Bankers Association has suggested the FHFA end its tri-merge process, replacing it with a single credit report rather than the bi-merge model as currently planned.
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Grapevine: VA Partial Claims Update; Hint on FHA Commissioner

May 22, 2025
Brandon Ivey
VA partial claims bill passes in House; nominee for FHA commissioner expected to have industry experience; Pulte touts big find at Fannie.
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Trump Budget Proposal Takes Aim at Housing Assistance

May 8, 2025
Emmeline Willey
The budget for 2026 proposes cuts to HUD, and handing over responsibility for affordable housing and rental assistance programs to states.
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A Ball of Confusion: HUD, DOGE and Staff Cuts

February 27, 2025
Paul Muolo
Is the White House being less than forthcoming about job cuts at HUD and DOGE finding “misplaced” funds at the agency? You decide. But mortgage bankers are getting nervous.
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Trump Rescinds Funding Freeze That Unsettled Market

January 29, 2025
Brandon Ivey
For hours, it was unclear whether a White House memo freezing federal funding would impact mortgage programs. In the meantime, government agencies announced that their single-family mortgage programs were unaffected by the planned funding pause.
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Sharp Swings Expected on Federal Housing Policies

January 23, 2025
Brandon Ivey
The Trump administration will likely take starkly different positions on housing and the mortgage market compared with the Biden administration. Expect changes at the GSEs, while a reduction to FHA mortgage insurance premiums looks unlikely.
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