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Inside FHA/VA Lending

December 20, 2024

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HECM Endorsements Level in Third Quarter, FoA Slides

Endorsement activity involving traditional HECMs declined slightly and production of HECMs for home purchase increased during the third quarter. Mutual of Omaha remained the top HECM lender. (Includes three data tables.) Read More

Third-Party Lending Share Shifts in Third Quarter

Among a large group of FHA/VA lenders, the broker channel accounted for 24.8% of government-insured originations in the third quarter. UWM and PennyMac sharply increased their broker volume in the quarter. (Includes data table.) Read More

HUD Agenda Includes Proposal to Lift FHA Re-Sale Time Restrictions

HUD said its current rule adversely impacts the availability of affordable homes for sale. Read More

ICE Warns of Performance Risk from Recent VA Refis

More than a third of this year’s VA rate-and-term refinances were originated with loan-to-value ratios above 100%, according to ICE. Read More

Industry Opposes HUD Notices on Convenience Fees

Mortgage lenders are pushing back on enforcement actions against servicer convenience fees for optional expedited payment services. Read More

FHA Proposes Early T&I Reimbursement for Loans in Default

The proposal is meant to address liquidity challenges servicers face from tax and insurance advances in an elevated interest rate environment. Read More

FHA Makes Single-Family Loan Sale Program Permanent

The SFLS program is intended to yield a recovery to the MMIF that meets or exceeds the recovery obtained from a foreclosure-based claim. Read More

MBA Proposes Ginnie EBO Securitization Program

The Mortgage Bankers Association called on Ginnie Mae to create a new securitization program for early-buyout loans. Read More

MBA Urges Balance on FHA Rental Income Proposal

The trade group wants clarification on FHA’s plan to allow rental income from boarders in a primary residence to inform underwriting. Read More

Around the Industry

Industry braces for shutdown; CHLA wants FHA, Ginnie budgets increased. Read More

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