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Inside FHA/VA Lending

May 8, 2026

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Ginnie Issuance Up Across the Board in April

Issuance of loans to Ginnie Mae mortgage-backed securities hit a four-year peak in April, marked by strong refinance volume and rising activity involving loan modifications. (Includes two data tables.) Read More

High-LTV-Ratio Borrowers Struggle to Compete

Young homebuyers using low- to zero-downpayment loans, usually government-insured loans, can’t compete with cash buyers for single-family homes. Read More

Correspondent Sales Choppy Among Lenders in 2025

Many top correspondent sellers of government loans increased sales by the double-digits in 2025 compared to 2024, while top seller Veterans United saw a decline. (Includes data table.) Read More

Industry Groups Call for VA to Reform Appraisals

Trade groups representing lenders want VA to align its appraisal standards with other government agencies and clarify minimum property requirements. Read More

House Republicans Seek to Modernize VA Program

A bill sponsored by Republicans in the House seeks to revise the appraisal process for VA mortgages, and to open the VA program to more condo lending. Read More

HUD, USDA Roll Back Energy Efficiency Updates

The Biden-era rule required new home constructions backed by FHA and USDA loans to meet stricter energy standards. The move is part of the Trump administration’s efforts to increase housing affordability. Read More

FHA Foreclosures Climb in FY 2026

Foreclosure starts on FHA-insured loans were up by about 30% across the first six months of the 2026 fiscal year on an annual basis. Read More

Around the Industry

Ginnie guides Onity to restructure FoA deal; T&I to exceed some HECM borrowers’ set-asides; FHA applications rise; HUD sets multifamily caps for 2026; advocacy orgs warn of HUD’s attempt to expand data collection. Read More

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