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Home » Topics » IMFnews » Government-Insured Lending

Government-Insured Lending
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Lender Offers USDA Loan Lock Extensions During Shutdown

November 3, 2025
Emmeline Willey
Click n' Close said new locks on USDA loans will be eligible for extensions through the end of the year.
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Short Takes: Misconceptions Common Among VA Loans / ABA, NAR Call to End Shutdown / NewDay USA Launches Product to Help with Closing Costs / Caution Keeping Homebuyers on the Sidelines

November 3, 2025
James Dohnert
Most servicemembers mistakenly think VA loans require a downpayment.
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FHA, Ginnie Nominees Reveal Little at Confirmation Hearing

October 31, 2025
Emmeline Willey
FHA Commissioner nominee Frank Cassidy and Ginnie Mae President nominee Joseph Gormley testified before a Senate committee Thursday.
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FHA, VA Servicing Volume Continues Expanding in 3Q

October 23, 2025
Emmeline Willey
Total outstanding balance of single-family mortgages in Ginnie Mae mortgage-backed securities increased by 2.2% from the end of June to $2.65 trillion as of the end of September.
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Mortgage Leaders Expect GSE Guarantee to Stay in Place

October 21, 2025
James Dohnert
Mortgage leaders expect some form of government guarantee to stick around even if the GSEs exit conservatorship.
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Agency Servicing Outstanding Shifting to Higher Rates

October 17, 2025
John Bancroft
The amount of agency servicing with coupons over 6.0% increased by 10.2% during the third quarter.
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Mixed Trends for MI Volume in Agency MBS Market

October 14, 2025
Namrata Bhatia
Loans without mortgage insurance gained some share in the agency MBS market during the third quarter.
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Ginnie MBS Issuance Ticks Up in 3Q Despite Refi Decline

October 7, 2025
Emmeline Willey
VA refi volume was down 31.5% from the second quarter, while FHA refi volume slipped 10.3%.
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FHA Lending Could Slow During Government Shutdown

October 6, 2025
Emmeline Willey
FHA is supporting some manual endorsement actions that lenders cannot process themselves.
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FHA-Only Ginnie Pools Considered for VA Refi Issue

October 3, 2025
Emmeline Willey
FHA and VA mortgages tend to have sharply different prepayment rates but they're put together in Ginnie MBS, potentially penalizing FHA borrowers.
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