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Home » Authors » Emmeline Willey

Articles by Emmeline Willey

Around the Industry

August 28, 2026
Emmeline Willey
Ginnie adds manufactured-home disclosure; FHA application share decreases; Ginnie portal to go offline for update.
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FHA MIP Cut Rumors Circulate Ahead of Midterms

August 28, 2026
Emmeline Willey
But real movement on mortgage insurance premium cuts isn't likely to happen at least until polling results indicate which party will control the next Congress.
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DSCRs Shrank in Recent Vintage Conduit Rental CMBS

August 28, 2026
Emmeline Willey
Recent vintages are showing deterioration in debt service coverage ratios compared to their levels at underwriting, according to Trepp.
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Short Takes: Better Urges Shareholders to Reject Director Removal / Federal Judge Halts HUD's Fair Housing Move / Redfin Reports Rising Listings / Northpointe Picks New COO

August 28, 2026
Emmeline Willey
Better's board is concerned that removing directors could give former CEO Vishal Garg outsized influence.
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Ginnie Continues Effort Toward Loan-Level Operations

August 27, 2026
Emmeline Willey
The agency is working on a project to track issuers’ final certifications as the latest stage of its loan-level transformation initiative.
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Shrinking DSCRs Linked to Weakness in Newer CMBS

August 27, 2026
Emmeline Willey

Debt service coverage ratios have declined for conduit commercial MBS tied to rentals, while delinquencies have climbed.


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Tech Startup to Anonymously Match Loan Officers With Lenders

August 27, 2026
Emmeline Willey
Through a new platform, mLOOP, loan officers can discreetly connect with potential employers.
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Credit Scores Will Trickle Through Mortgage Ecosystem

August 27, 2026
Emmeline Willey
Executives at the credit reporting agencies and scoring companies said the deployment of FICO 10T and VantageScore 4.0 scores will have cascading effects on the primary and secondary mortgage markets.
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Fight Against the Clock for Further Regulatory Changes

August 27, 2026
Emmeline Willey
The Trump administration is running short on time to get more regulatory changes through the pipeline, according to panelists at the Mortgage Industry Standards Maintenance Organization’s fall summit.
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Ginnie President Gives Update on Loan Level Initiative

August 26, 2026
Emmeline Willey
The initial phase of the project should wrap up within the next six months.
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