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Inside FHA/VA Lending

July 11, 2025

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Ginnie Issuance Continues to Ride Temporary Refi Wave

Refinances were the key reason that Ginnie MBS issuance saw sharper-than-usual increases in the second quarter of 2025. Issuance was up 30.7% from the first quarter, including a nearly 50% increase in VA refi volume. (Includes four data tables.) Read More

Lenders Welcome Changes to FHA Appraisal, Underwriting Rules

The mortgage industry expects deregulatory moves by FHA will speed up and lower costs associated with the loan origination process. Read More

Advocates Stress Vets Need More than Partial Claims

Industry and veteran organizations said pending legislation that would authorize the Department of Veterans Affairs to create a partial claims program isn’t enough to close VA’s gap with other government-backed programs. Read More

FHA Softens Floodplain Standards for New Construction

FHA eliminated restrictions placed on new construction in flood hazard areas and pulled back additional inspection requirements for properties in disaster areas. Read More

Recent Production Driving Ginnie Delinquencies Up

Serious delinquencies among government-backed loans have slightly increased each year since the pandemic, according to an analysis by the Mortgage Industry Advisory Corp. Read More

FHA Loss Mit Saving MMIF Billions, Study Suggests

FHA’s loss-mitigation programs have historically saved the mutual mortgage insurance fund billions by avoiding dispositions, according to a new analysis. Read More

Changes to Student Loan Repayments Could Hit FHA Borrowers

FHA borrowers are more likely to have student loans than other types of mortgage holders, exposing them to the upcoming changes to student loan repayment plans. Read More

Around the Industry

FHA delays multifactor authentication compliance; FHA speeds up refis for residential care facilities; HUD announces more rescissions to anti-bias appraisal policies. Read More

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