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Inside FHA/VA Lending

April 4, 2025

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Refis Slow in Ginnie Market in First Quarter of 2025

A rise in interest rates around the beginning of the year suppressed refi volume to some extent. PennyMac was the top Ginnie issuer of both FHA and VA mortgages in the first quarter. (Includes four data tables.) Read More

VA to End VASP, Prompting Uncertainty for Servicers

The program, developed by the Biden administration, purchases delinquent VA loans from servicers to help veterans avoid foreclosure. Read More

HUD Limits FHA Eligibility Based on Borrower Residency

The elimination of eligibility of non-permanent U.S. residents for FHA loans could leave FHA lenders liable for mistakes made when certifying a borrower’s residency status. Read More

Uncertainty Persists for HUD Programs and Employees

Previously-fired probationary employees at HUD are stuck in an administrative leave purgatory awaiting a court decision, while rumors continue to circulate of field-office closures. Read More

MBA Calls to Cap Forbearance Frequency

FHA should limit borrowers to qualify for one permanent home-retention option every 18 months to cut costs to its insurance fund and help borrowers maintain equity, MBA and others said in a letter to HUD. Read More

HECM Endorsements Decline in 2024 Despite 4Q Lift

HECM lending increased by 5.3% on a quarterly basis in the fourth quarter of 2024. But for the full year, endorsements declined, with a downturn in production in four major states. (Includes three data tables.) Read More

HUD Leaves Holes in Website Revamp

The website streamlining effort included a roughly 90% reduction in content, leaving broken links in its wake. Read More

Around the Industry

Court rules in favor of Ginnie in Texas Capital Bank lawsuit; Rate waives “unnecessary fees” for VA loans; FHA waives reviews of EPD in disaster area; HUD revokes lender’s DE authority in New Orleans. Read More

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