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Inside FHA/VA Lending
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VA Partial Claims Bill Makes Some Progress in Senate

June 13, 2025
Emmeline Willey
A second bill that would authorize the Department of Veterans Affairs to establish a partial claim program has joined a similar House-approved measure in the Senate Veterans Affairs committee’s pipeline.
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A&D Assumes Flagstar Team’s FHA Offerings

June 13, 2025
Emmeline Willey
A&D Mortgage will carry on the flexible FHA lending practices previously observed at the former Flagstar’s correspondent unit.
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Ginnie Removes Buydown Limits in Custom SF Pools

June 13, 2025
Emmeline Willey
Ginnie Mae announced it will remove the 10% concentration limit on its single-issuer, custom single-family pools, effective June 16.
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FHA’s CWCOT Program Can Be Made Better, UI Says

June 13, 2025
Emmeline Willey
FHA’s claims without conveyance of title program already saves FHA, servicers and borrowers time and money, and the program could be made more effective, according to analysts at the Urban Institute.
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Around the Industry

June 13, 2025
Emmeline Willey
Andrew Hughes confirmed as HUD deputy secretary; HUD to end affirmative fair housing marketing requirements for FHA multifamily program applicants; HUD updates civil monetary penalty amounts to match inflation.
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FHA and Ginnie Stoic Amid Rising Late Rates

May 30, 2025
Emmeline Willey
Officials at FHA and Ginnie Mae aren’t currently worried about steadily rising delinquency rates on government-backed loans, but they’re watching closely as FHA tightens its loss-mitigation protocols.
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FHA Upgrading IT to Make Up for Lost Staff

May 30, 2025
Emmeline Willey
There’s been ongoing work at FHA to modernize its information technology systems, but now some of the upgrades will need to fill the shoes of laid-off workers.
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VA Refi Denials Decline in 2024 Amid Surge in Applications

May 30, 2025
Emmeline Willey
The denial rate for VA home loan refinances fell sharply between 2023 and 2024, at the same time VA refi applications doubled, according to a new analysis by Inside FHA/VA Lending. (Includes data table.)
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Senate to Weigh Creating Partial Claim Option at VA

May 30, 2025
Emmeline Willey
A bill that would give the Department of Veterans Affairs authority to establish a partial claims program awaits review by the Senate Committee on Veterans’ Affairs, after moving quickly through the House.
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USDA Eyes Guaranteed SFH Loan Subsidies

May 30, 2025
Emmeline Willey
The U.S. Department of Agriculture’s Rural Housing Service is considering subsidizing a portion of its guaranteed home loans.
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