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Inside FHA/VA Lending

May 22, 2026

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FHA Refis Sole Bright Spot in First-Quarter Originations

Overall, FHA and VA lending declined by 8.3% on a quarterly basis in the first quarter of 2026. FHA refi volume was up, helped by loans to existing FHA borrowers. (Includes three data tables.) Read More

Risk Lingers for FHA Portfolio With Economy Unsteady

Although changes to FHA’s loss-mitigation policies are expected to resolve most of the persistent re-defaults in its portfolio, FHA borrowers continue to be the most exposed to financial stressors. Read More

Gormley Running FHA With a Hands-Off Approach

Ginnie Mae President Joe Gormley addressed how he’s been filling a dual role as temporary FHA head since Commissioner Frank Cassidy went on leave from the position in April. Read More

Denial Rates on Government-Insured Mortgages Steady in 2025

Lenders turned down 22.0% of applications received for FHA loans in 2025. The rejection rate on VA mortgages was a more modest 16.1%. (Includes data table.) Read More

NewDay Helping VA Borrowers Compete

The lender has tailored its strategy to help VA borrowers compete in a market where government loans are overlooked in favor of higher-downpayment conventional mortgages or cash buyers. Read More

UI Argues for Zero-Downpayment FHA Mortgages

FHA could sustain a zero-downpayment loan option for first-time homebuyers if Congress would allow it, analysts at the Urban Institute contended in a new proposal. Read More

CBO Examines Subsidies for Rural Housing

The federal government in 2026 will provide $293.43 billion in loans and loan guarantees to rural households. Some $27.43 billion will come from the Rural Housing Service and $107.52 billion through FHA and VA. Read More

Around the Industry

Bill in House would add to IRRRL fees; FHA proposes rejecting applicants with delinquent child support obligations; FHA to automate some case number assignments for condos. Read More

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