Two new repayment plan structures for student loans disbursed on or after July 1, 2026, were included within the tax and spending bill.

The Center for Responsible Lending said loss-mitigation offerings need to reduce monthly payments to avoid foreclosures.

One housing market that seems to be doing well is Rochester, NY.

Refinances were the key reason that Ginnie MBS issuance saw sharper-than-usual increases in the second quarter of 2025. Issuance was up 30.7% from the first quarter, including a nearly 50% increase in VA refi volume. (Includes four data tables.)

The mortgage industry expects deregulatory moves by FHA will speed up and lower costs associated with the loan origination process.

Industry and veteran organizations said pending legislation that would authorize the Department of Veterans Affairs to create a partial claims program isn’t enough to close VA’s gap with other government-backed programs.

FHA eliminated restrictions placed on new construction in flood hazard areas and pulled back additional inspection requirements for properties in disaster areas.

Serious delinquencies among government-backed loans have slightly increased each year since the pandemic, according to an analysis by the Mortgage Industry Advisory Corp.

FHA’s loss-mitigation programs have historically saved the mutual mortgage insurance fund billions by avoiding dispositions, according to a new analysis.

FHA borrowers are more likely to have student loans than other types of mortgage holders, exposing them to the upcoming changes to student loan repayment plans.