The GSEs have differing loan level price adjustments for classic FICO and VantageScore 4.0, according to VantageScore.

Despite the decline, the delinquency rate at the end of March was above the level seen in March 2025. Some of the increase has been pinned on FHA loss-mitigation changes, though foreclosure activity is also rising. (Includes two data tables.)

Versions of the 21st Century ROAD to Housing Act have passed both the House and Senate with broad bipartisan support. However, differences persist.

The GSEs issued CRT deals in March even with economic volatility tied to the war with Iran.

The savings of up to $20,000 come in the form of lender credits and reduced real estate agent commissions.

FHA noted that federal law prohibits providing federal financial assistance to individuals with delinquent child support.

The House is set to vote on a revised version of the 21st Century ROAD to Housing Act. It’s expected to pass with broad bipartisan support.

Both VantageScore and FICO claim their scoring models allow lenders to approve more mortgage applicants.

“Regulators are taking more notice of this part of the market,” Bob Broeksmit, president and CEO of the Mortgage Bankers Association, said of the non-agency sector.

Trump accounts were established by the One Big Beautiful Bill Act in 2025, and are set to launch this year. The accounts have tax benefits for children, and include a $1,000 contribution from the federal government for kids born between 2025 and 2028.