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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

No Easy Way Out for VA Prepay Speeds at Ginnie

October 2, 2025
Emmeline Willey
The faster prepayment rates on VA loans skew the churn rate of Ginnie Mae multiple-issuer pools, but separating VA loans into their own pools could throw a wrench in the Ginnie MBS market.
Read More

Mortgage Lending Mostly Unscathed by Government Shutdown

October 2, 2025
Emmeline Willey
The effects of the partial government shutdown could be far-reaching, but agency functions related to mortgage lending appear intact.
Read More

Warren Calls for Investigation Into HUD Whistleblower Claims

October 2, 2025
Emmeline Willey
The whistleblowers raised concerns about the administration’s efforts to limit HUD’s ability to enforce fair housing and civil rights laws.
Read More

Government Shutdown to Impact Mortgage Lending

October 1, 2025
Emmeline Willey
Some lending operations will continue as usual, though authority to write new policies under the NFIP expired.
Read More

Trump Housing Push Could Expand Lending Opportunities

September 26, 2025
Emmeline Willey
Manufactured housing supply might be due to increase if the Trump administration enacts certain reforms, potentially opening a broadly untapped market for mortgage lenders.
Read More

PIMCO Proposes Fed Reinvest in Mortgage Market

September 25, 2025
Emmeline Willey
The Federal Reserve could lower mortgage rates more effectively by reinvesting its balance sheet runoff in agency MBS, according to a new proposal from Pacific Investment Management Company.
Read More

Proposed Servicing Reforms Could Add Costs

September 25, 2025
Emmeline Willey
Proposed changes to servicing rules to discourage foreclosures or require nonbanks to maintain cash buffers could add costs for borrowers, according to a report from the Congressional Research Service.
Read More

FHA Sets Dec. 30 Deadline for Some Loss-Mit Policies, Makes Adjustments

September 25, 2025
Emmeline Willey
Servicers can comply with the new policies as of Oct. 1, but the mandatory compliance date was extended to Dec. 30.
Read More

FHA Takes Loan Review System Offline Temporarily

September 23, 2025
Emmeline Willey
FHA shut down its loan review system after users reported having issues logging in.
Read More

FHA Looks to Reverse Regulations, Spurring Affordability

September 22, 2025
Emmeline Willey
FHA's Matt Jones said the mortgage insurer plans to take a “hard look” at energy conservation code requirements.
Read More
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