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Inside FHA/VA Lending

November 13, 2020

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GNMA MBS Engine Still in High-RPM Mode in October

The VA continued to expand its role in the Ginnie MBS market in October. Overall, a small increase in purchase-mortgage business offset a tiny slip in refi volume. (Includes two data charts.) Read More

The FHA MMIF Posts Solid Capital Ratio of 6.10%

FHA delinquencies are a paramount concern for regulators and lenders but the MMIF closed fiscal 2020 on solid footing. (Includes data chart.) Read More

Hope Springs Eternal on Ginnie Bulk Deals

The Ginnie Mae bulk MSR market has been parched since the pandemic started. Is a recovery finally in the wind? Read More

Seriously Delinquent FHA/VA Loans Spike in Third Quarter

FHA delinquency rates went down 6 basis points to 15.59%, a Mortgage Bankers Association survey found. Though worth noting: FHA loans in the seriously delinquent category (90-days past due) reached a survey-high of 10.76%. Read More

Rising Once Again: Ginnie Mae EBOs

More issuers are stepping up their game in buyouts of delinquent loans from Ginnie pools. Nonbanks especially. (Includes data chart.) Read More

Mayor Pete for HUD Secretary? Ginnie Chief Departs

A new president in the White House means a changing of the guard at HUD, FHA and Ginnie. The candidates are... Read More

Will the Disparate-Impact Rule Die a Quiet Death?

Will President-elect Joe Biden live up to his election promise and gut a lender-friendly disparate-impact rule? Read More

FHA Proposes Private Flood Insurance for SF Mortgages

The proposed rule would allow homeowners in special flood hazard areas to comparison shop for loss coverage. Read More

Will ‘Dreamers’ Qualify for FHA Loans Under Biden?

Under the Trump administration, many lenders received letters from HUD stipulating that DACA recipients are not eligible for FHA loans. Read More

Climate Change Looms Over Government-Insured Servicing

Natural disasters will continue to pose a heightened risk for servicers of Ginnie Mae loans, Mayer Brown said in a report. Read More

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