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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

Airlines Leaning on Loyalty ABS to Balance Liquidity

July 17, 2025
Emmeline Willey
Airlines have been balancing liquidity constraints through securitizations of loyalty program future flows, which sometimes exceed the earnings of actual flight operations, according to a recent report from S&P Global Ratings.
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HUD Appropriations Bill Far Exceeds Trump’s Budget Ask

July 17, 2025
Emmeline Willey
The draft appropriations budget for the Department of Housing and Urban Development is more lenient than the Trump administration’s request, but still zeroes out fresh funding for the HOME program.
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Renters to Benefit From GSE Acceptance of VantageScore

July 17, 2025
Emmeline Willey
An update to the credit scoring rules at Fannie Mae and Freddie Mac is expected to improve renters’ mortgage eligibility.
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Clash of the Credit Scores

July 17, 2025
Emmeline Willey
Competition heats up between VantageScore and the Fair Isaac Corporation.
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Short Takes: New Home Apps Up YoY / Trump 'Unlikely’ to Fire Powell / CHLA Welcomes VantageScore / Banks Compete on Deposit Repricing

July 17, 2025
Emmeline Willey
Mortgage applications for new home purchases were up year-over year.
Read More

FHA Loosens New Construction Floodplain Standards

July 16, 2025
Emmeline Willey
The agency rescinded a 2024 policy imposing certain standards on new construction in areas with a 1% annual chance of flooding.
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VA Home Loan Program Grapples With Short-Staffing

July 16, 2025
Emmeline Willey
The VA is on pace to reduce its total headcount by close to 30,000 by the end of fiscal 2025.
Read More

Student Loan Repayment Changes May Affect FHA Borrowers

July 15, 2025
Emmeline Willey
Two new repayment plan structures for student loans disbursed on or after July 1, 2026, were included within the tax and spending bill.
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Advocates Say VA Borrowers Need More Than Partial Claims

July 14, 2025
Emmeline Willey
The Center for Responsible Lending said loss-mitigation offerings need to reduce monthly payments to avoid foreclosures.
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Short Takes: The Cost to Borrow (for Companies) / Then Again… / Good News in Rochester (NY) / Regulatory Changes From OCC, FHA

July 14, 2025
Paul Muolo and Emmeline Willey
One housing market that seems to be doing well is Rochester, NY.
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