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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

Bell Exits VA Loan Guaranty Service, Takes on New Role

August 22, 2025
Emmeline Willey
John Bell stepped down as executive director of the Department of Veterans Affairs LGY office. He was replaced by a longtime VA employee, Patrick Zondervan.
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Borrower Payoffs Drive Up Ginnie Removals in 2Q

August 22, 2025
Emmeline Willey
Loan removals from Ginnie Mae mortgage-backed securities increased by 29.3% during the second quarter of 2025, largely due to borrower payoffs, which are typically refinances. (Includes two data tables.)
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HUD Drops Language Services, Adopts English-Only Policy

August 22, 2025
Emmeline Willey
The policy change could make it difficult for speakers of other languages to access HUD services.
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FHA Waived Net Worth Requirements for Some Credit Unions

August 22, 2025
Emmeline Willey
Julia Gordon, in her final days as commissioner, granted low-income credit unions a waiver from meeting FHA’s net worth requirements for lenders. The action was only recently formally disclosed.
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FHA/VA Loan Applications Up From 2024 Levels

August 22, 2025
Emmeline Willey
Applications for government-backed loans mid-August were above the levels seen in 2024.
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Evidence of Discrimination in HECM Lending

August 22, 2025
Emmeline Willey
Researchers have found that minority applicants were less likely than white applicants to be approved for a reverse mortgage.
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Around the Industry

August 22, 2025
Emmeline Willey
Appraisal Subcommittee gets new leader; VA updates mileage fee criteria; HUD updates handbook.
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VA Lending Appears Insulated From Federal Staff Reductions

August 21, 2025
Emmeline Willey
The Trump administration slashed hundreds of jobs at the VA Loan Guaranty Service, but lenders say it’s not causing issues in VA lending.
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Secondary Market Wary of Swings in Regulation, Oversight

August 21, 2025
Emmeline Willey
Most lenders will likely continue to follow existing laws and maintain responsible practices, according to a managing director at a bank’s investment division.
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CFPB Specter Keeps Market Accountable

August 18, 2025
Emmeline Willey
Despite the Trump administration’s efforts to defang the CFPB, securities market participants are wary the regulator still could crack down on malfeasance with a vengeance should political tides turn.
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