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Inside FHA/VA Lending

July 31, 2026

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FHA Loss-Mitigation Removals Spike in 2Q

The amount of FHA loans removed from Ginnie Mae securities for loss-mitigation purposes more than doubled from the first to the second quarter. Overall, repurchases from the Ginnie program declined slightly. (Includes two data charts.) Read More

FHA Delinquencies Show Signs of Stabilization

FHA serious delinquencies have spiked in recent quarters because of a reporting change implemented under a new loss-mitigation regime, but improving early-stage delinquencies could foreshadow the start of normalization. Read More

FHA Proposes Simplified Partial Claim Structure

The agency recently issued a draft policy that would allow servicers to structure FHA partial claims similarly to other servicing advances rather than as a subordinate note. Read More

Housing Law Seeks to Boost FHA Multifamily Program

The 21st Century ROAD to Housing Act includes some initiatives meant to enhance FHA’s multifamily program, which has seen reduced usage since the pandemic. Read More

Housing Law’s Counseling Measure Leaves Questions Unanswered

The foreclosure mitigation counseling provision in the housing law doesn’t explain who’s is going to pay for counseling tied to VA and USDA loans. Read More

MBA Pushes for VA Lender Handbook Updates

The Mortgage Bankers Association said VA lenders currently have to rely on a patchwork of mortgage-related guidance scattered across circulars in addition to the Lenders Handbook. Read More

CHLA Raises Concern Over RHS Staff Relocation

The trade group said the planned relocation raises doubts about whether sufficient Rural Housing Service staff will stay on to implement the delegated underwriting authority pilot program. Read More

Around the Industry

VA fee hike stalls; AI underwriter adds USDA support; HUD to advance grant management system update; FHA spread holds flat. Read More

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