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Home » Authors » Emmeline Willey

Emmeline Willey

ewilley@imfpubs.com
Articles

ARTICLES

Rate Outcomes More Consistent With FHA, VA

August 14, 2026
Emmeline Willey
FHA and VA borrowers saw more consistent interest rates on new production regardless of their credit score, compared with borrowers who received conventional mortgages.FHA and VA borrowers saw more consistent rate outcomes regardless of their credit score, versus conventional mortgage borrowers.
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Around the Industry

August 14, 2026
Emmeline Willey
FHA updates handbook; Ginnie portfolio nears $3 trillion; Ginnie prepares for MFA sign-in.
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MGIC Tops Private MI Providers in Second Quarter

August 14, 2026
Emmeline Willey
MGIC had $17.75 billion in new insurance written in the second quarter, a 23.0% increase from the first quarter.
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Ginnie Clarifies Seasoning Policy for RPLs

August 13, 2026
Emmeline Willey
Ginnie Mae has revised guidance to clarify that re-performing loans could season while on a three-month trial payment plan of a standalone partial claim.
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PMIs Gain Purchase Share, Refinance Share Slips

August 13, 2026
Emmeline Willey
Primary mortgage insurance activity was up 17% in the second quarter after a slow start to the year, with private insurers claiming more of the purchase market but losing share in refinances. (Includes four data tables.)
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Headwinds Stack Up for Condo Lending

August 13, 2026
Emmeline Willey
Changes to the GSEs’ condo lending requirements won’t bring relief in the near term to the slumping condo market.
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VA Allows Non-Judicial Foreclosure of Loans With Partial Claims

August 12, 2026
Emmeline Willey
Servicers will not need to use a judicial foreclosure process to terminate a loan backed by the Department of Veterans Affairs that has a partial claim interest, according a new VA policy.
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HELOC Lenders Rolled Out New Products in July

August 7, 2026
Emmeline Willey
A couple of lenders of home equity line of credit products expanded their offerings in July, capitalizing on momentum in one of the few market segments with a bright outlook in the near-term.
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VA Payoffs Suggest Strong Refi Activity

August 6, 2026
Emmeline Willey
VA loans have notoriously high prepay rates compared to FHA loans, in part because of VA’s generous refinance program.
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Deterioration Continues Among Subprime Auto Borrowers

August 6, 2026
Emmeline Willey
Performance among borrowers with higher loan-to-value ratios has continued to weaken relative to higher-credit-quality auto loan borrowers, and loss severity has increased.
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View All Articles by Emmeline Willey

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