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Inside FHA/VA Lending

May 2, 2025

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Ginnie Mae Removals Slow in First Quarter as Payoffs Drop

Loan removals from Ginnie Mae MBS in the first quarter were driven by lower borrower payoffs. Meanwhile, loss-mitigation removals hit a three-year peak. (Includes two data tables.) Read More

PennyMac Expects FHA Servicing Changes to Spur EBOs

The recent tightening of FHA loss-mitigation options will likely lead to more early loan buyouts, which PennyMac CEO David Spector sees, at the very least, as a net neutral development for the business. Read More

VA Provides Some Clarity as The Curtain Falls on VASP

A week before the Department of Veterans Affairs closed the door on its Servicing Purchase program, it issued some guidance for uncertain servicers, but holes remained. Read More

FHA Reverts Biden-Era Foreclosure-Sale Listing Policies

FHA has rescinded a pair of policies enacted in 2022 that were meant to give owner-occupants an upper hand in foreclosure sales over institutional investors. Read More

High FHA Delinquency Rates on Track to Stick

The steep property insurance and tax bills driving the rise in FHA late rates are not likely to come down anytime soon, meaning delinquencies will likely stay up too. Read More

MBA Urges HUD to Scrap Green Policies to Boost MF

The Mortgage Bankers Association urged the Department of Housing and Urban Development to scrap regulatory requirements for multifamily housing under the National Environmental Policy Act, along with other environmental and zoning restrictions. Read More

Senators Propose Raising Multifamily Loan Limit

Sens. Ruben Gallego, D-AZ, and Dave McCormick, R-PA, this week introduced legislation that would sharply increase FHA multifamily loan limits. Read More

Around the Industry

FHA upgrades FHA Connection system to guard against cyberattacks; HUD to revise legal instructions for lenders to obtain full insurance benefits; White House proposes eliminating single-family housing direct loans under the USDA’s Rural Development program. Read More

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