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Inside FHA/VA Lending

April 18, 2025

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FHA Delinquencies Fall in 1Q, Remain Historically High

Total delinquencies on FHA loans in Ginnie Mae MBS dipped at the beginning of 2025 but remained high compared to previous years. (Includes four data tables.) Read More

HUD Puts Two-Year Cap on Loss-Mit Options

FHA announced sweeping loss-mitigation changes this week, including limiting borrowers to take one loss-mitigation option every two years, rather than a planned 18-month restriction. Read More

Prospects Uncertain for VA Loss Mitigation

The timeline and likeliness of the implementation of a partial claims program are hazy as the Department of Veterans Affairs gears up to end its last-resort home-retention option on May 1. Read More

TCB v. Ginnie Ruling Effects to Ripple

The outcome of a judge’s ruling in Ginnie Mae’s favor over its seizure of collateral from Texas Capital Bank could make warehouse lenders wary of helping lenders facing liquidity issues, or of lending to reverse-mortgage originators at all, industry participants warn. Read More

Turner Assesses HUD Programs, Reaffirms OZ Focus

HUD Secretary Scott Turner said the agency is evaluating every program under its umbrella, and reiterated his focus on extending the opportunity zone investment program. Read More

FHA Rolls Out Case Binder Testing Software

FHA opened its new integration testing platform for originators and origination system vendors, with the goal of improving the efficiency of FHA loan origination and data collection. Read More

HUD Counseling Limited by ‘Outdated IT’

Antiquated IT systems constrain the HUD Office of Housing Counseling’s ability to collect data and assess the outcomes of its programs. Funding for an upgrade has yet to be allocated. Read More

Around the Industry

Ginnie Mae gets a new leader; HUD officially starts search for new headquarters; foreclosure moratorium extended for hurricane-impacted area; USDA makes handbook changes. Read More

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