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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

CHLA Renews Push for Ginnie Servicing Backstop

July 6, 2026
Emmeline Willey
CHLA suggested the facility be modeled after the pass-through assistance program Ginnie launched in 2020 to support servicers facing liquidity shortfalls due to pandemic-related borrower forbearances.
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Ginnie Issuance Soars in 2Q; Purchase Mortgages Strong

July 2, 2026
Emmeline Willey
The securitization market for government-insured mortgages during the second quarter of 2026 was the strongest since the fourth quarter of 2021. (Includes four data tables.)
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FHA Updates TPP Policies, Streamlines Approval Process

July 2, 2026
Emmeline Willey
Among other changes, FHA formalized a waiver that allows borrowers to make trial payment plan payments more than 15 days before the due date without penalty.
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FHA Loosens QC Standards for Appraisal Reviews

July 2, 2026
Emmeline Willey
FHA has removed the requirement that lenders obtain appraisal field reviews on at least 10% of loans selected for origination and underwriting reviews.
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CHLA Calls for Liquidity Backstop for Ginnie Servicers

July 2, 2026
Emmeline Willey
The Community Home Lenders of America renewed its call for regulators to establish a standby liquidity facility to support Ginnie Mae servicers during periods of stress.
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FHA Lags GSEs in Appraisal Modernization

July 2, 2026
Emmeline Willey
FHA released more information to support the transition to the Uniform Appraisal Dataset 3.6, although a timeline for adoption remains pending.
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VA Pushing for Better Borrower Education

July 2, 2026
Emmeline Willey
VA’s Loan Guaranty Service believes lack of information is the biggest barrier for veterans and active-duty servicemembers seeking homeownership.
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Flaws Persist in FHA Partial Claims Servicing

July 2, 2026
Emmeline Willey
The Department of Housing and Urban Development’s servicer missed the mark on most of the FHA partial claims sampled by HUD’s Office of Inspector General.
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Around the Industry

July 2, 2026
Emmeline Willey
HUD plans to consolidate Kansas offices; USDA seeks to expand multifamily direct lending; MISMO releases data mapping for VA forms.
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Freedom Sues its Former Software Lead

June 26, 2026
Emmeline Willey
Freedom Mortgage accused its former senior vice president of product management of developing a competing loan origination system while he was on Freedom’s payroll.
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