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Inside FHA/VA Lending

November 22, 2024

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Strong Refi Market Drives FHA, VA Originations in 3Q

Lenders originated $112.67 billion of FHA and VA loans in the third quarter — the highest quarterly volume for the government loan programs since the second quarter of 2022. (Includes three data tables.) Read More

MMIF Capital Ratio Tops 11%. Will FHA Cut MIP?

FHA Commissioner Julia Gordon said it is probably time to consider FHA pricing adjustments. However, any decisions may need to wait until the next administration comes in. (Includes data table.) Read More

Freedom CEO Expects Continuity for FHA, VA Under Trump

Stanley Middleman, founder and CEO of Freedom Mortgage, said the next administration’s approach for FHA and VA should be “if it’s not broken, why fix it?” Read More

Valverde Set to Leave Ginnie at the End of the Month

Gregory Keith, senior vice president and chief risk officer at Ginnie Mae, will assume the duties of president starting next month. Read More

HECM Capital Ratio Shows Significant Improvement in FY24

The capital ratio for FHA’s home equity conversion mortgage program grew nearly 800 basis points, helped by home price trends. Read More

HUD Proposes Uniform Loan Application for Manufactured Homes

The agency wants the loan application for its Title I manufactured housing programs to more closely align with industry standards. Read More

AEI Fellows Call for Building Sustainable Homeownership

Speakers at the AEI Housing Center’s annual conference said the biggest negative of first-time homebuyer assistance policy is pushing borrowers to buy before they’re ready. Read More

FHA Proposes Updates to Rental Income Underwriting

Among the proposed revisions, FHA would reduce the requirement for rental income history from boarders from two years to 12 months. Read More

Around the Industry

Trump nominates Doug Collins as VA secretary; VA proposes revisions to loan loss reporting requirements; USDA to update technical handbook; HUD extends compliance deadline for rule on modernizing engagement with borrowers in default. Read More

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