Young homebuyers using low- to zero-downpayment loans, usually government-insured loans, can’t compete with cash buyers for single-family homes.

Many top correspondent sellers of government loans increased sales by the double-digits in 2025 compared to 2024, while top seller Veterans United saw a decline. (Includes data table.)

Trade groups representing lenders want VA to align its appraisal standards with other government agencies and clarify minimum property requirements.

A bill sponsored by Republicans in the House seeks to revise the appraisal process for VA mortgages, and to open the VA program to more condo lending.

The Biden-era rule required new home constructions backed by FHA and USDA loans to meet stricter energy standards. The move is part of the Trump administration’s efforts to increase housing affordability.

Foreclosure starts on FHA-insured loans were up by about 30% across the first six months of the 2026 fiscal year on an annual basis.

Ginnie guides Onity to restructure FoA deal; T&I to exceed some HECM borrowers’ set-asides; FHA applications rise; HUD sets multifamily caps for 2026; advocacy orgs warn of HUD’s attempt to expand data collection.

Investment firm PIMCO believes FHA and Ginnie Mae should tackle builder buydowns to lower housing costs.

The U.S. Department of Agriculture’s Rural Housing Service proposed excluding real estate commission fees from interested party contributions as part of an effort to lower closing costs for buyers.

The Mortgage Bankers Association’s chief economist warned of some deterioration in FHA loan pools, even as the industry and Ginnie Mae write off the recent increase in delinquencies as an immaterial consequence of altered modification timelines.